“竹福貸”富竹鄉(xiāng)“綠林人家”

2021-09-10 15:18:13    來(lái)源:   作者:張瀚予  點(diǎn)擊數(shù):

 

 

為緊扣現(xiàn)代農(nóng)業(yè)規(guī)模化、集約化、產(chǎn)業(yè)化發(fā)展趨勢(shì),提高重點(diǎn)領(lǐng)域信貸投放,加強(qiáng)金融產(chǎn)品和服務(wù)模式創(chuàng)新,全力滿足多元化的“三農(nóng)”金融服務(wù)需求,加大貸款產(chǎn)品創(chuàng)新力度,沐川農(nóng)信聯(lián)社設(shè)計(jì)開(kāi)發(fā)了“竹福貸”應(yīng)收賬款質(zhì)押融資業(yè)務(wù),以“竹福貸”特色貸款產(chǎn)品支持“10+3”現(xiàn)代農(nóng)業(yè)產(chǎn)業(yè)企業(yè)發(fā)展,全面推廣竹產(chǎn)業(yè)“1+N”產(chǎn)業(yè)鏈融資模式。

 

 

沐川縣位于四川盆地南緣小涼山余脈五指山北麓、烏蒙山區(qū)西北部的一座小縣城,是“中國(guó)竹子之鄉(xiāng)”,全縣林地面積10.73萬(wàn)公頃,森林覆蓋率高達(dá)77.34%,其中竹林面積占全縣林地面積50%,是全省14個(gè)竹產(chǎn)業(yè)試點(diǎn)縣,是國(guó)家級(jí)生態(tài)示范區(qū)、全國(guó)綠化模范縣、全國(guó)林業(yè)科技示范縣、四川首個(gè)無(wú)公害農(nóng)產(chǎn)品基地縣、全省林業(yè)產(chǎn)業(yè)發(fā)展重點(diǎn)縣。

 

 

 

青山綠竹 蘊(yùn)育竹鄉(xiāng)兒女

 

沐川縣屬山區(qū)農(nóng)業(yè)縣,資源相對(duì)匱乏,而竹子就是本縣發(fā)展最亮眼的“金字招牌”。林業(yè)對(duì)全縣財(cái)政收入、農(nóng)民收入、GDP貢獻(xiàn)率均占三分之一以上,其中,竹產(chǎn)業(yè)產(chǎn)值占近二分之一,形成近20億元級(jí)產(chǎn)業(yè)集群,并成功培育國(guó)家級(jí)農(nóng)業(yè)產(chǎn)業(yè)化重點(diǎn)龍頭企業(yè)四川永豐紙業(yè)股份有限公司(簡(jiǎn)稱永豐公司,包括其下屬的四川永豐漿紙股份有限公司、沐川禾豐紙業(yè)有限責(zé)任公司),形成了造紙等工業(yè)支柱產(chǎn)業(yè),成為西南地區(qū)以縣域?yàn)閱挝蛔畲蟮牧譂{紙一體化產(chǎn)業(yè)基地縣。

 

 

 

紙漿生產(chǎn) 帶動(dòng)農(nóng)戶致富

 

沐川園區(qū)生產(chǎn)紙漿、文化用紙和生活用紙能力達(dá)51.8萬(wàn)余噸,預(yù)計(jì)年產(chǎn)值25億元;永豐公司通過(guò)沐川縣林竹發(fā)展有限公司(簡(jiǎn)稱林竹公司)向供應(yīng)商采購(gòu)原竹,其中規(guī)模較大的原竹供應(yīng)商現(xiàn)有33家,分布在沐川縣內(nèi)及周邊縣域,供應(yīng)商主要通過(guò)收購(gòu)竹農(nóng)原竹,經(jīng)粗加工成碎竹后,向永豐公司供應(yīng)碎竹原料;供應(yīng)商從當(dāng)?shù)剞r(nóng)民中收取原竹,通過(guò)竹產(chǎn)業(yè)產(chǎn)業(yè)鏈的健康持續(xù)發(fā)展,為供應(yīng)商創(chuàng)造財(cái)富來(lái)源,為農(nóng)戶們創(chuàng)造經(jīng)濟(jì)收入,為沐川縣鄉(xiāng)村振興發(fā)展創(chuàng)造有力后盾。

 

 

 

瞄準(zhǔn)需求 帶去金融“活水”

 

林竹公司與竹片供應(yīng)商采用滾動(dòng)付款的方式,應(yīng)收賬款平均賬期4個(gè)月,而竹產(chǎn)業(yè)涉及縣內(nèi)絕大部分農(nóng)戶,供應(yīng)商向竹農(nóng)收購(gòu)原竹時(shí)需錢貨兩清,在每年下半年的竹片收購(gòu)?fù)净蛄种窆举Y金緊張時(shí)期,供應(yīng)商存在資金短缺和融資需求的情況,且大多數(shù)供應(yīng)商屬于輕資產(chǎn)經(jīng)營(yíng)模式,缺乏有效抵押擔(dān)保,這為開(kāi)辦應(yīng)收賬款質(zhì)押融資業(yè)務(wù)創(chuàng)造了條件,也讓四川農(nóng)信這支懂農(nóng)業(yè)、愛(ài)農(nóng)村、愛(ài)農(nóng)民的隊(duì)伍為竹產(chǎn)業(yè)帶去了“金融活水”。

 

 

緩解壓力 “貸”動(dòng)產(chǎn)業(yè)發(fā)展

 

為有效緩解供應(yīng)商的資金壓力,杜絕向農(nóng)戶“打白條”現(xiàn)象,沐川農(nóng)信聯(lián)社創(chuàng)新?lián)7绞?,通過(guò)與林竹公司簽訂《銀企合作協(xié)議書(shū)》,核實(shí)應(yīng)收賬款真實(shí)性的前提下,以供應(yīng)商應(yīng)收林竹公司的應(yīng)收賬款作為質(zhì)押,向供應(yīng)商發(fā)放貸款的融資模式,推出了“竹福貸”應(yīng)收賬款質(zhì)押貸款產(chǎn)品,沐川農(nóng)信聯(lián)社與出質(zhì)人、債務(wù)人均通過(guò)中征應(yīng)收賬款融資服務(wù)平臺(tái)注冊(cè)并完成融資對(duì)接,再通過(guò)中登系統(tǒng)辦理應(yīng)收賬款確認(rèn)及質(zhì)權(quán)登記。20201125日發(fā)放首筆應(yīng)收賬款質(zhì)押貸款業(yè)務(wù),截至目前,已向轄內(nèi)18戶個(gè)體工商戶發(fā)放應(yīng)收賬款質(zhì)押貸款2290萬(wàn)元,其中:20211-5月成交5筆,融資金額1350萬(wàn)元,目前全部貸款均無(wú)逾期、無(wú)欠息。

 

 

下一步,沐川農(nóng)信聯(lián)社將緊緊圍繞沐川縣“6+3”產(chǎn)業(yè)體系,以有機(jī)綠色和產(chǎn)業(yè)整合園區(qū)建設(shè)為金融支持方向,在持續(xù)深入擴(kuò)大竹產(chǎn)業(yè)鏈金融支持力度的基礎(chǔ)上,將應(yīng)收賬款質(zhì)押融資業(yè)務(wù)模式擴(kuò)展到茶葉、魔芋等其他領(lǐng)域;圍繞產(chǎn)業(yè)鏈上龍頭企業(yè)、家庭農(nóng)場(chǎng)、農(nóng)戶,探索推動(dòng)“產(chǎn)業(yè)鏈+”融資模式,牢牢抓住四川森態(tài)源生物科技有限公司、四川一枝春茶業(yè)有限公司等為核心的龍頭企業(yè),重點(diǎn)支持以森態(tài)源公司為核心企業(yè)的魔芋產(chǎn)業(yè)鏈、以一枝春公司為核心企業(yè)的綠色有機(jī)食品茶葉帶和無(wú)公害茶葉產(chǎn)業(yè)帶,向其上游的家庭農(nóng)場(chǎng)、農(nóng)民專業(yè)合作社等新型農(nóng)業(yè)經(jīng)營(yíng)主體和采購(gòu)商、供應(yīng)商等提供金融服務(wù),緩解農(nóng)業(yè)生產(chǎn)經(jīng)營(yíng)者缺乏擔(dān)保的困境;圍繞農(nóng)業(yè)農(nóng)村綠色發(fā)展,創(chuàng)新推進(jìn)綠色生態(tài)項(xiàng)目發(fā)展和適合種養(yǎng)循環(huán)發(fā)展模式的金融產(chǎn)品,立足“三農(nóng)”、扎根地方,推進(jìn)鄉(xiāng)村振興、促進(jìn)農(nóng)業(yè)農(nóng)村現(xiàn)代化發(fā)展。(張瀚予)

 

 

 

 

 

 

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#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