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馬邊彝族自治縣農(nóng)村信用合作聯(lián)社:注入金融動能 彝鄉(xiāng)綠茶飄香

2018-04-26 11:16:09    來源:樂山日報   作者:宋雪  點擊數(shù):

創(chuàng)新貸款產(chǎn)品

荒山上建起標準化茶園

層巒疊嶂的茶園一望無際,蔓延開來,與遠山相接……站在海拔1200多米的山頭,放眼望去盡是優(yōu)質(zhì)茶樹,精致的茶亭更是為茶園增添了不少亮色。近日,記者來到馬邊彝族自治縣勞動鄉(xiāng)柏香村倒碑坪(小地名),只見馬邊文彬茶業(yè)有限公司的標準化茶園里一派生機與活力。

“以前這一片全都是荒山,2011年我們開始建設(shè)標準化茶園,現(xiàn)在總面積達到2240畝,投產(chǎn)的已有1100畝。”漫步茶園,59歲的公司總經(jīng)理何文彬無比感慨,他告訴記者,上世紀80年代,他由馬邊聯(lián)社5000元的信貸資金起家,開始從事茶葉生產(chǎn),“我的今天,離不開馬邊聯(lián)社的幫助。”

2011年,何文彬在柏香村流轉(zhuǎn)2200多畝荒山,準備建設(shè)標準化茶園基地,但資金問題卻成了一大阻礙。201411月,何文彬因流動資金不足向馬邊聯(lián)社申請650萬元流動資金貸款,但因金額較大,抵押難的問題一直難以解決。

如何才能更好地支持茶葉發(fā)展?馬邊聯(lián)社創(chuàng)新貸款產(chǎn)品,將支農(nóng)再貸款與扶貧擔保基金貸款相結(jié)合,采取多種途徑解決抵押難的問題。短時間內(nèi),馬邊聯(lián)社對何文彬公司的茶園基地進行詳細調(diào)查,通過市林業(yè)科學研究院,對茶園的林地權(quán)屬、資源分布、單位面積株數(shù)等進行核查,并聘請有資質(zhì)的中介資產(chǎn)評估公司對其整體資產(chǎn)價值進行有效評估。

20152月,馬邊聯(lián)社利用支農(nóng)再貸款向何文彬的公司發(fā)放茶園建設(shè)貸款650萬元,在這筆貸款的幫助下,茶園的建設(shè)蒸蒸日上,于2017年達到小產(chǎn),年產(chǎn)鮮葉達1.75萬公斤。

“在建設(shè)標準化茶園之前,我們公司的茶園面積只有400多畝,現(xiàn)在規(guī)模變大了,還帶動周圍農(nóng)戶增收。”何文彬的兒子何應軍告訴記者,茶園的鋤草、打理、采摘均由當?shù)剞r(nóng)戶完成,帶動當?shù)?span style="font-family: 'Times New Roman'; color: rgb(127,127,127); font-size: 14px">200戶增收,戶均年增收2000元。“如果沒有馬邊聯(lián)社的幫助,這一切我們想都不敢想。”何應軍無比感慨。

注入金融動能

產(chǎn)業(yè)發(fā)展助力鄉(xiāng)村振興

如今,何文彬的公司在不斷發(fā)展壯大的同時,已帶動約500戶農(nóng)戶創(chuàng)收,創(chuàng)收惠及約1000人,幫助近300戶建檔立卡貧困戶脫貧。何文彬的經(jīng)歷,也成為馬邊聯(lián)社扶持茶產(chǎn)業(yè)發(fā)展的真實寫照。

“馬邊擁有得天獨厚的茶葉種植地理條件,形成了特色茶葉品牌優(yōu)勢,茶產(chǎn)業(yè)對于扶貧起到了很強的帶動作用。”馬邊聯(lián)社理事長任洪軍告訴記者,作為馬邊農(nóng)村金融的主力軍,馬邊聯(lián)社支持地方茶產(chǎn)業(yè)帶動脫貧,這是義不容辭的社會責任。

茶園基地的建設(shè)投入大、回報周期長,對于資金的需求量很大,多年來,馬邊聯(lián)社利用支農(nóng)再貸款與扶貧擔?;?a href="http://www.shwxf.com/public/dkcp/" target="_blank">貸款的有利結(jié)合,解決了小微企業(yè)融資難、融資貴的問題。記者了解到,截至2017年末,馬邊聯(lián)社已對茶產(chǎn)業(yè)主體授信金額3763萬元,貸款余額3000萬元,用于茶葉種植生產(chǎn)加工及鮮茶采購等,使農(nóng)民收入有了明顯提高。

“扶持茶產(chǎn)業(yè)的過程,也推動了馬邊聯(lián)社自身的發(fā)展,讓我們在群眾中樹立了良好形象。”任洪軍告訴記者,未來,馬邊聯(lián)社將在深入調(diào)查的基礎(chǔ)上,繼續(xù)加大對馬邊本土茶葉大戶的信貸投放,以龍頭茶企帶動農(nóng)戶發(fā)展,給百姓帶來切實利益。

?據(jù)悉,自脫貧攻堅戰(zhàn)打響以來,馬邊聯(lián)社秉承“服務三農(nóng)、扶微助小、扶貧助困”的普惠金融理念,為馬邊經(jīng)濟注入源源不斷的金融動能。近三年來,馬邊聯(lián)社立足本地農(nóng)業(yè)特色產(chǎn)業(yè),發(fā)放產(chǎn)業(yè)扶貧貸款,支持一大批省市級龍頭企業(yè)和種養(yǎng)業(yè)專業(yè)大戶,助力茶業(yè)、果業(yè)、竹筍以及生態(tài)養(yǎng)殖等產(chǎn)業(yè)發(fā)展,授信總額達到12500萬元。“公司+農(nóng)戶”的發(fā)展,不僅輻射帶動了約4000戶貧困農(nóng)戶,更帶動地方經(jīng)濟發(fā)展,為早日實現(xiàn)脫貧致富提供了積極有效的金融支持。

責任編輯:FreeMarker template error: get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvst840_6. See cause exception. The failing instruction (FTL stack trace): ---------- ==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50] ---------- Java stack trace (for programmers): ---------- freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$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$$84b90e83.content() at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365) at sun.reflect.GeneratedMethodAccessor6137.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.GeneratedMethodAccessor6174.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#293] 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_$$_jvst840_6.getRealname(CmsUser_$$_jvst840_6.java) ... 81 more