解決涉農(nóng)主體“煩心事”助力鄉(xiāng)村振興結(jié)出“金果果”

2021-09-10 15:27:44    來(lái)源:   作者:蔣鑫  點(diǎn)擊數(shù):

“本來(lái)下個(gè)月有一筆銷售回款用于購(gòu)買春耕農(nóng)資,哪知春節(jié)剛過(guò)氣溫就回升起來(lái),菜苗正是下地最佳時(shí)機(jī),資金卻到不了位……”何強(qiáng)是四川三臺(tái)縣立新鎮(zhèn)蔬菜種植大戶,種植面積達(dá)350畝,今年春耕有所提前,讓他措手不及。三臺(tái)農(nóng)商銀行工作人員到村里宣傳春耕信貸政策時(shí)了解到情況,運(yùn)用鄉(xiāng)村振興村社貸產(chǎn)品當(dāng)天向何強(qiáng)發(fā)放信用貸款30萬(wàn)元,實(shí)行利率優(yōu)惠,有效緩解了他的春耕生產(chǎn)燃眉之急。

 

早安排快落實(shí)  保障“三農(nóng)”金融需求

 

人勤春來(lái)早,百事農(nóng)為先。開(kāi)春以來(lái),四川農(nóng)信(綿陽(yáng))緊密結(jié)合工作實(shí)際,堅(jiān)持金融為民理念,立足普惠金融,聚焦春耕備耕,充分調(diào)動(dòng)轄內(nèi)行社對(duì)接涉農(nóng)主體資金需求積極性,不斷創(chuàng)新信貸產(chǎn)品、提升金融服務(wù),打出普惠金融組合拳,為春耕備耕注入“金融活水”。截至2月末,支持春耕備耕貸款戶數(shù)34735戶,貸款余額33.32億元。

 

三臺(tái)農(nóng)商銀行充分發(fā)揮地方金融主力軍銀行作用,堅(jiān)持“早調(diào)查、早安排、早投放”原則,及時(shí)制定并實(shí)施“春風(fēng)計(jì)劃”,推進(jìn)整村評(píng)級(jí)授信。截至3月20日,累計(jì)對(duì)全縣各類涉農(nóng)主體新增授信3.81億元,服務(wù)的涉農(nóng)企業(yè)超過(guò)40戶,占轄內(nèi)市場(chǎng)90%以上。并對(duì)3億元央行涉農(nóng)再貸款申請(qǐng)展期,為春耕戰(zhàn)役備足“彈藥”。該行向轄內(nèi)種子、化肥、農(nóng)藥等農(nóng)資銷售商和種植大戶投放貸款1.82億元。

 

梓潼農(nóng)商銀行將支持春耕生產(chǎn)作為金融支農(nóng)工作首要任務(wù),主動(dòng)對(duì)接地方政府和部門(mén),精準(zhǔn)掌握農(nóng)業(yè)生產(chǎn)動(dòng)態(tài),全力保障涉農(nóng)信貸資金需求。瞄準(zhǔn)農(nóng)資生產(chǎn)、生豬等畜禽養(yǎng)殖、水產(chǎn)養(yǎng)殖等春耕備耕關(guān)鍵領(lǐng)域企業(yè)金融需求,支持種子、化肥、農(nóng)膜、農(nóng)藥等農(nóng)資生產(chǎn)企業(yè)復(fù)工復(fù)產(chǎn),出臺(tái)專項(xiàng)信貸額度、給予利率優(yōu)惠;通過(guò)線上調(diào)查和上門(mén)走訪等方式,摸排農(nóng)戶、農(nóng)民專業(yè)合作社、家庭農(nóng)場(chǎng)等農(nóng)業(yè)經(jīng)營(yíng)主體金融需求,為承擔(dān)重要農(nóng)副產(chǎn)品生產(chǎn)供給的“米袋子”“菜籃子”等企業(yè)啟動(dòng)糧食收購(gòu)應(yīng)急貸款“綠色通道”;逐戶摸排扶貧小額貸款到期情況,積極簡(jiǎn)化貸款審批流程,大力推行線上模式,線下執(zhí)行“無(wú)接觸辦理”,確保扶貧信貸資金不斷檔。截至2月末,該行累計(jì)發(fā)放涉農(nóng)貸款7.14億元,涉農(nóng)貸款余額41億元。

 

金融“活水”精準(zhǔn)滴灌  確保不誤農(nóng)事

 

同樣得到金融“活水”精準(zhǔn)滴灌的,還有重點(diǎn)農(nóng)業(yè)龍頭企業(yè)和脫貧戶。

 

開(kāi)年后,臺(tái)沃農(nóng)業(yè)公司迎來(lái)春耕旺季,產(chǎn)品訂單持續(xù)增加,但由于原材料、工人工資等陸續(xù)上漲,面臨較大流動(dòng)資金壓力。三臺(tái)農(nóng)商銀行工作人員在回訪中了解到情況后及時(shí)上報(bào),按照“一事一議”原則,為企業(yè)融資開(kāi)辟“綠色通道”,不到3個(gè)工作日向該公司發(fā)放生產(chǎn)經(jīng)營(yíng)貸款4000萬(wàn)元,享受春耕貸款優(yōu)惠利率,為公司順暢運(yùn)作及轄內(nèi)化肥、農(nóng)藥等主要農(nóng)資供應(yīng)保障注入“強(qiáng)心劑”。

 

在安州區(qū)黃土鎮(zhèn),一株株獼猴桃果樹(shù)正發(fā)新芽,進(jìn)入快速生長(zhǎng)期。獼猴桃是當(dāng)?shù)靥厣N植產(chǎn)業(yè),幫助部分群眾甩掉了“窮帽子”,王某就是其中一個(gè)。王某因身體原因,未外出務(wù)工,家里缺乏穩(wěn)定收入,一度陷入貧困。安州農(nóng)商銀行工作人員走訪時(shí)幫他辦理的3萬(wàn)元扶貧貸款,扶他走上了脫貧致富路。“沒(méi)想到這獼猴桃還真是‘金果果’,黃土產(chǎn)業(yè)發(fā)展得好,我貸款也還清了。”王某今年又?jǐn)U大了種植規(guī)模,化肥、農(nóng)藥開(kāi)支投入也不少,“農(nóng)商行又給我貸了10萬(wàn)元信用貸款,方便得很?,F(xiàn)在果樹(shù)長(zhǎng)勢(shì)好,收成不愁了,真是開(kāi)心!”

 

安州農(nóng)商銀行結(jié)合區(qū)域?qū)嶋H,充分發(fā)揮扎根農(nóng)村、貼近農(nóng)民的優(yōu)勢(shì),以“整村評(píng)級(jí)授信”為抓手,充分滿足了安州區(qū)春耕春種生產(chǎn)的需要。截至2月末,安州農(nóng)商銀行今年共發(fā)放春耕備耕貸款7793萬(wàn)元,解決了大部分農(nóng)戶進(jìn)行春耕生產(chǎn)及購(gòu)買農(nóng)用物資的資金需求。

 

平武農(nóng)商銀行創(chuàng)新審批模式,線上收集資料助推春耕備耕,積極引導(dǎo)各辦貸網(wǎng)點(diǎn)采取線上收集貸款資料的模式,按照特事特辦、急事急辦的原則,實(shí)現(xiàn)線上審批、線上遞交省農(nóng)擔(dān)審批,做到了“雙方不見(jiàn)面、融資不斷線”的辦貸模式,確保不誤農(nóng)時(shí)、不誤農(nóng)事。截至2月末,該行支持春耕備耕貸款余額達(dá)4164萬(wàn)元。

 

破題資金缺口  解決涉農(nóng)主體“煩心事”

 

一樁樁一件件,只是四川農(nóng)信(綿陽(yáng))支持春耕備耕、服務(wù)“三農(nóng)”的縮影。

 

支持“三農(nóng)”經(jīng)濟(jì)發(fā)展是四川農(nóng)信堅(jiān)定不移的戰(zhàn)略方向,綿陽(yáng)認(rèn)真貫徹落實(shí)中央、省委“一號(hào)”文件精神及省農(nóng)信聯(lián)社工作部署,針對(duì)春耕備耕農(nóng)時(shí)短、資金需求急等特點(diǎn),以“夯基拓業(yè)”為抓手,以“走千訪萬(wàn)”為載體,深入田間地頭,問(wèn)需于農(nóng),靠前服務(wù),有力保障了種子、農(nóng)藥、化肥等農(nóng)資資金需求。

 

在鹽亭農(nóng)信聯(lián)社的金融支持下,鹽亭八角花椒種植專業(yè)合作社現(xiàn)有用于購(gòu)買肥料、農(nóng)藥以及花椒基地建設(shè)和精深加工的余額250萬(wàn)元。截至2月末,鹽亭農(nóng)信聯(lián)社支持春耕備耕貸款余額達(dá)8519萬(wàn)元。

 

北川農(nóng)信聯(lián)社備足信貸資金,安排不低于3億元資金專項(xiàng)用于滿足春耕備耕貸款需求,同時(shí)利用申請(qǐng)300萬(wàn)元鄉(xiāng)村振興擔(dān)?;?,做大做強(qiáng)“興村貸”產(chǎn)品,按照1:10比例可投放貸款3000萬(wàn)元;設(shè)置“農(nóng)戶用信”專項(xiàng)考核指標(biāo)和“小額農(nóng)戶信用貸款增量手機(jī)銀行辦貸率”考核指標(biāo),提升普惠金融覆蓋面,降低農(nóng)戶融資成本。

 

江油農(nóng)商銀行通過(guò)整村評(píng)級(jí)授信,推廣復(fù)制小額農(nóng)貸工作,有效提高小額農(nóng)貸占比和覆蓋面,逐一摸排農(nóng)戶春耕資金需求,積極發(fā)放農(nóng)戶小額信用貸款,積極向龍頭企業(yè)主、家庭農(nóng)場(chǎng)主、專合社成員等發(fā)放個(gè)人生產(chǎn)經(jīng)營(yíng)貸款。截至目前,共計(jì)發(fā)放春耕貸款1252萬(wàn)元。

 

為解決各類涉農(nóng)主體“煩心事”,四川農(nóng)信(綿陽(yáng))精準(zhǔn)對(duì)接農(nóng)業(yè)企業(yè)、新型農(nóng)業(yè)經(jīng)營(yíng)主體(種養(yǎng)大戶)和普通農(nóng)戶三大群體,出臺(tái)了一系列舉措:在全轄績(jī)效考核體系中專設(shè)涉農(nóng)考核指標(biāo),強(qiáng)化提升考核導(dǎo)向;堅(jiān)持服務(wù)“三農(nóng)”、服務(wù)小微、服務(wù)實(shí)體的經(jīng)營(yíng)宗旨,從資源配置、考核導(dǎo)向、激勵(lì)機(jī)制等方面實(shí)現(xiàn)信貸投向有效引導(dǎo);支持區(qū)域?qū)嶓w經(jīng)濟(jì)和民營(yíng)企業(yè)發(fā)展,支持轄區(qū)內(nèi)龍頭產(chǎn)業(yè)化企業(yè)、種養(yǎng)殖大戶等新型農(nóng)業(yè)經(jīng)營(yíng)主體、科技型中小企業(yè)、個(gè)體工商戶等生產(chǎn)發(fā)展,鞏固地方金融主力軍銀行地位;推進(jìn)整村評(píng)級(jí)授信,提升“助力鄉(xiāng)村振興戰(zhàn)略”政治站位,與當(dāng)?shù)攸h委政府形成合力;持續(xù)推進(jìn)支付惠農(nóng)工程建設(shè),提升普惠金融服務(wù)能力,持續(xù)建立農(nóng)村金融綜合服務(wù)站(點(diǎn)),不斷完善功能;創(chuàng)新綠色信貸金融產(chǎn)品和服務(wù),提升金融服務(wù)能力,為綠色、低碳小微企業(yè)以及企業(yè)主開(kāi)發(fā)了“新農(nóng)貸”“農(nóng)村三權(quán)擔(dān)保貸款”“小額農(nóng)戶信用貸款(卡貸通)”等特色產(chǎn)品,有力地夯實(shí)了“三農(nóng)”陣地。(蔣鑫)

 

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Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$FastClassBySpringCGLIB$$48520056.invoke() at org.springframework.cglib.proxy.MethodProxy.invoke(MethodProxy.java:204) at org.springframework.aop.framework.CglibAopProxy$CglibMethodInvocation.invokeJoinpoint(CglibAopProxy.java:700) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:150) at org.springframework.transaction.interceptor.TransactionInterceptor$1.proceedWithInvocation(TransactionInterceptor.java:96) at org.springframework.transaction.interceptor.TransactionAspectSupport.invokeWithinTransaction(TransactionAspectSupport.java:260) at org.springframework.transaction.interceptor.TransactionInterceptor.invoke(TransactionInterceptor.java:94) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:172) at org.springframework.aop.framework.CglibAopProxy$DynamicAdvisedInterceptor.intercept(CglibAopProxy.java:633) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$EnhancerBySpringCGLIB$$6958ba50.content() at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365) at sun.reflect.GeneratedMethodAccessor8515.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at org.springframework.web.bind.annotation.support.HandlerMethodInvoker.invokeHandlerMethod(HandlerMethodInvoker.java:176) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.invokeHandlerMethod(AnnotationMethodHandlerAdapter.java:440) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.handle(AnnotationMethodHandlerAdapter.java:428) at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:919) at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:851) at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:953) at org.springframework.web.servlet.FrameworkServlet.doPost(FrameworkServlet.java:855) at javax.servlet.http.HttpServlet.service(HttpServlet.java:656) at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:829) at javax.servlet.http.HttpServlet.service(HttpServlet.java:737) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:229) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.web.websocket.server.WsFilter.doFilter(WsFilter.java:48) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.orm.hibernate3.support.OpenSessionInViewFilter.doFilterInternal(OpenSessionInViewFilter.java:230) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:88) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.ieccms.common.web.ProcessTimeFilter.doFilter(ProcessTimeFilter.java:35) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.webtier.core.DefaultWrapperValve.invoke(DefaultWrapperValve.java:193) at com.bes.enterprise.webtier.core.DefaultContextValve.invoke(DefaultContextValve.java:92) at com.bes.enterprise.webext.BesContextCleanupValve.invoke(BesContextCleanupValve.java:50) at com.bes.enterprise.webext.BESAppservValve.invoke(BESAppservValve.java:41) at com.bes.enterprise.webtier.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:540) at com.bes.enterprise.webtier.core.DefaultHostValve.invoke(DefaultHostValve.java:136) at com.bes.enterprise.webtier.valves.ErrorReportValve.invoke(ErrorReportValve.java:77) at com.bes.enterprise.webtier.core.DefaultEngineValve.invoke(DefaultEngineValve.java:83) at com.bes.enterprise.webtier.connector.CoyoteAdapter.service(CoyoteAdapter.java:349) at com.bes.enterprise.web.crane.http11.Http11Processor.service(Http11Processor.java:594) at com.bes.enterprise.web.crane.AbstractProcessorLight.process(AbstractProcessorLight.java:61) at com.bes.enterprise.web.crane.AbstractProtocol$ConnectionHandler.process(AbstractProtocol.java:802) at com.bes.enterprise.web.util.net.NioEndpoint$SocketProcessor.doRun(NioEndpoint.java:1627) at com.bes.enterprise.web.util.net.SocketProcessorBase.run(SocketProcessorBase.java:45) at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149) at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624) at com.bes.enterprise.web.util.threads.WorkThread$WrappingRunnable.run(WorkThread.java:57) at java.lang.Thread.run(Thread.java:748) Caused by: java.lang.reflect.InvocationTargetException at sun.reflect.GeneratedMethodAccessor7319.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:912) at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:275) at freemarker.ext.beans.BeanModel.get(BeanModel.java:182) ... 75 more Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [com.ieccms.cms.entity.main.CmsUser#367] at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:435) at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:189) at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:182) at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:215) at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190) at com.ieccms.cms.entity.main.CmsUser_$$_jvstbe_6.getRealname(CmsUser_$$_jvstbe_6.java) ... 81 more