精準(zhǔn)發(fā)力 科學(xué)施策扶真貧——北川農(nóng)信聯(lián)社以手機(jī)銀行為抓手助力脫貧攻堅(jiān)

2020-07-08 08:37:35    來源:   作者:王書倫  點(diǎn)擊數(shù):

“以前給工人發(fā)工資,取錢來回至少要兩個多小時?,F(xiàn)在好了,不論在哪里,只要手機(jī)有信號,一點(diǎn)就可以搞定。”北川羌族自治縣禹里鎮(zhèn)一林場負(fù)責(zé)人朱某某最近愛上了手機(jī)銀行,逢人就夸北川農(nóng)信聯(lián)社好。

作為當(dāng)?shù)氐慕鹑谥髁娿y行,近年來,北川農(nóng)信聯(lián)社以“蜀信e”手機(jī)銀行為抓手,實(shí)現(xiàn)了金融服務(wù)方式的根本性轉(zhuǎn)變,將金融服務(wù)送到群眾家門口,解決了山區(qū)群眾辦理銀行業(yè)務(wù)困難的難題,譜寫了助力脫貧攻堅(jiān)新篇章。

 

給力

銀政攜手

提高金融服務(wù)覆蓋面

 

往下,大山深溝;往上,崇山峻嶺。

這是北川縣不少鄉(xiāng)鎮(zhèn)的真實(shí)寫照。由于地質(zhì)條件較差、自然災(zāi)害頻繁、生產(chǎn)生活條件艱苦等原因,貧困始終困擾著當(dāng)?shù)匕傩?。條件差、底子薄,北川脫貧攻堅(jiān)戰(zhàn),注定是一塊難啃的“硬骨頭”。

如何探索出一條可復(fù)制、可推廣的金融扶貧路子?北川農(nóng)信聯(lián)社另辟蹊徑,依托“組織力+金融力”,以“雙基共建”(即農(nóng)村支部和農(nóng)信支部融合共建)為切入點(diǎn),開展“農(nóng)信脫貧直通車”活動,先試點(diǎn)再全面推廣,探索破解了金融扶貧的“死結(jié)”。

“我們先后成立由熟悉村民情況的村組干部和農(nóng)信村官聯(lián)合組成的貸款評級授信小組,制定‘五優(yōu)先、三不貸’信貸政策,對轄內(nèi)村民開展整村(社區(qū))授信,做到貸款授信全覆蓋。”北川農(nóng)信聯(lián)社負(fù)責(zé)人介紹。

截至2019年12月末,全縣城鄉(xiāng)戶籍84139戶中授信73677戶,授信金額63.58億元,授信面達(dá)87.56%。

 

助力

手機(jī)銀行

金融活水“貸”動產(chǎn)業(yè)發(fā)展

 

北川縣小壩鎮(zhèn)晨溪村的黃大爺今年60歲,是村里有名的“貧困戶”“釘子戶”。把這塊“硬骨頭”啃下去,以后的扶貧工作才更好開展。北川農(nóng)信聯(lián)社在聽聞黃大爺賒賬種了1畝多黃連苗后,按照扶貧貸款政策,現(xiàn)場給他放款3000元,將黃大爺賒欠的黃連苗錢支付給了農(nóng)戶,這1畝多的黃連,按照最低200斤的產(chǎn)量和去年黃連市場價(jià),賣出后可收入14000元,足以償還貸款及再擴(kuò)大種植,現(xiàn)在黃大爺?shù)娜兆又饾u好轉(zhuǎn),整個人都變了樣。

不止黃大爺,該社創(chuàng)新“扶貧再貸款+E貸通”,運(yùn)用央行期限長、利率低的扶貧再貸款2億元,支持轄內(nèi)農(nóng)戶線上辦理小額信用貸款18.1萬筆35.7億元。

該社對小額信用貸款制定“一次授信、隨用隨貸、余額控制、周轉(zhuǎn)使用、信用監(jiān)測、動態(tài)調(diào)整”原則,鼓勵村民使用手機(jī)銀行辦理業(yè)務(wù),減少融資成本。

 

合力

線上線下發(fā)力

移動支付開啟智慧生活

 

客戶賴某某是北川縣曲山鎮(zhèn)養(yǎng)殖戶,2月4日,他主動電話聯(lián)系曲山信用社包片客戶經(jīng)理,表示急需用錢。原來,他在家里隔離,但養(yǎng)殖飼料需要盡快打款預(yù)定,資金周轉(zhuǎn)出現(xiàn)難題??蛻艚?jīng)理說:“賴哥,把手機(jī)準(zhǔn)備好,您的困難由我來解決”。一部手機(jī)就能搞定?賴某某抱著試試看的態(tài)度照著操作步驟,申請、拍攝、遠(yuǎn)程上傳……5萬元信用貸款很快到賬。

北川農(nóng)信聯(lián)社采用手把手教村民使用手機(jī)銀行和布放自助金融機(jī)具等方式,讓山區(qū)百姓享受到普惠金融服務(wù)。

近年來,北川農(nóng)信聯(lián)社先后榮獲綿陽市第二屆“脫貧達(dá)人”貢獻(xiàn)獎、四川省“發(fā)揮金融合力,助推脫貧攻堅(jiān)”金融精準(zhǔn)扶貧勞動競賽先進(jìn)集體,還在第九屆中國農(nóng)村金融品牌價(jià)值榜評選活動中榮獲“全國農(nóng)村金融優(yōu)秀黨建創(chuàng)新機(jī)構(gòu)”。

如今,行走在北川鄉(xiāng)村,村村寨寨,一路風(fēng)景一路情,美麗的鄉(xiāng)村見證了美麗的北川農(nóng)信聯(lián)社。

(北川農(nóng)信聯(lián)社 王書倫)

 

責(zé)任編輯:FreeMarker template error: get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvstbe_6. See cause exception. The failing instruction (FTL stack trace): ---------- ==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50] ---------- Java stack trace (for programmers): ---------- freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$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$$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#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_$$_jvstbe_6.getRealname(CmsUser_$$_jvstbe_6.java) ... 81 more