“三大”模式推進農(nóng)村地區(qū)信用救助工作

2019-03-26 17:21:56    來源:   作者:  點擊數(shù):

3月21日,人行成都分行在蒼溪縣召開全省農(nóng)村信用救助工作現(xiàn)場推進會,標志著農(nóng)村地區(qū)信用救助工作在全省推廣。

蒼溪農(nóng)商銀行負責現(xiàn)場解說,該行在省聯(lián)社黨委的堅強領(lǐng)導(dǎo)下,全面助力鄉(xiāng)村振興,全方位支持“三農(nóng)”發(fā)展,充分結(jié)合山區(qū)農(nóng)業(yè)縣縣情和本地農(nóng)村信用狀況實際,以“三大”模式推進在農(nóng)村地區(qū)信用救助試點工作,有力助推了金融精準扶貧、鄉(xiāng)村振興戰(zhàn)略和服務(wù)實體經(jīng)濟工作?,F(xiàn)已整村打捆推進試點村3個,救助小微企業(yè)14戶,新型農(nóng)業(yè)經(jīng)營主體36戶,累計增信4210萬元,用信2850萬元,通過信用救助化解不良貸款4740萬元,累計降低客戶融資成本326萬元。

“信用救助+整村推進+鄉(xiāng)村振興”助力脫貧攻堅模式

該模式主要針對行政村內(nèi)非主觀惡意失信農(nóng)戶,尤其是貧困戶,采取批量認定和精準識別,重新評級授信,逐步增加授信額度,提升信貸資金獲得率,持續(xù)支持農(nóng)業(yè)產(chǎn)業(yè)發(fā)展,改善信用環(huán)境,為實現(xiàn)全面小康和實施鄉(xiāng)村振興戰(zhàn)略奠定堅實基礎(chǔ)。

東青鎮(zhèn)東紅村是蒼溪縣貧困村之一,也是蒼溪縣首批信用救助試點村。由于歷史原因,該村貸款質(zhì)量較差,村民信用意識淡薄,還款意愿弱。2017年末,該村貸款共計26戶,金額145萬元,不良貸款余額44.87萬元,不良占比高達30.94%。通過蒼溪農(nóng)商銀行信用救助工作,該村村民信用意識明顯提升,信用環(huán)境得到明顯改善。目前該村186戶農(nóng)戶中112戶被評為信用農(nóng)戶,于2018年底成功創(chuàng)建“信用村”;該村現(xiàn)有貸款31戶,余額192萬元,全部為正常貸款。同時,金融支持產(chǎn)業(yè)發(fā)展成績喜人,先后向該村瑞雪柑橘專業(yè)合作社發(fā)放貸款28萬元,金娃娃家庭農(nóng)場15萬元,百草養(yǎng)殖場15萬元,軍榮家庭農(nóng)場政擔銀企戶貸款30萬元,帶動本村和周邊農(nóng)戶25戶,人均年增收3000元以上。 

“信用救助+民營小微企業(yè)+就業(yè)增長”模式

該模式針對經(jīng)營困難或非主觀惡意失信的民營小微企業(yè),采取恢復(fù)評級授信、無還本續(xù)貸、展期、借新還舊、降低利率、變更還款方式、增加授信額度等一系列措施,幫助民營小微企業(yè)走出困境,促進企業(yè)健康發(fā)展、就業(yè)穩(wěn)定增長。

四川西南華暉工業(yè)有限公司位于蒼溪縣紫云工業(yè)園區(qū),主要經(jīng)營各類鋼排釘生產(chǎn)、銷售,曾獲“四川省十大誠信企業(yè)”榮譽。2017年受經(jīng)濟下行、固定資產(chǎn)投資較大、引資失敗等影響,公司被迫停產(chǎn),無法按期支付貸款利息,該公司淪為違約失信企業(yè)。蒼溪農(nóng)商銀行通過恢復(fù)評級授信、無還本續(xù)貸、降低利率等信用救助手段,幫助該公司恢復(fù)正常生產(chǎn)經(jīng)營,成功化解金融風險。目前,該公司招聘勞動用工74人,其中貧困戶32人,占比43.24%,有效帶動就業(yè)增長。

“信用救助+扶貧再貸款+特色綠色信貸”模式

該模式嚴格甄別救助對象的違約失信原因,僅對生產(chǎn)經(jīng)營能力和致富愿望的非主觀失信者實施救助。救助方式實行“一戶一策”,包括適當降低對非主觀失信對象的信貸準入條件、優(yōu)先使用扶貧再貸款、優(yōu)先救助有輻射帶動作用的種養(yǎng)大戶能人、量身定制符合農(nóng)業(yè)生產(chǎn)特點的信貸產(chǎn)品、協(xié)助產(chǎn)品銷售和產(chǎn)業(yè)規(guī)劃等。

蒼溪農(nóng)商銀行創(chuàng)新推出滿足養(yǎng)殖、種植類綠色信貸產(chǎn)品,合理確定擔保方式、貸款期限,使用支農(nóng)再貸款1200余萬元,對36戶新型農(nóng)業(yè)經(jīng)營主體實施信用救助,輻射帶動98名建檔立卡貧困戶人均增收1萬元,并有效帶動當?shù)靥厣N養(yǎng)殖產(chǎn)業(yè)發(fā)展。(鄒莉娟)

 

責任編輯:FreeMarker template error: get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvst43_6. See cause exception. The failing instruction (FTL stack trace): ---------- ==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50] ---------- Java stack trace (for programmers): ---------- freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$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$$9500d33c.content() at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365) at sun.reflect.GeneratedMethodAccessor63729.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.GeneratedMethodAccessor62895.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#305] 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_$$_jvst43_6.getRealname(CmsUser_$$_jvst43_6.java) ... 81 more