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青海“双基联动”合作贷款惠及60余万农牧民

2017-09-16 10:06:50   新华网

新华社西宁9月16日电(记者徐文婷)青海省引导金融服务机构在广大农牧区推行“双基联动”合作贷款服务模式,近两年来解决了部分农牧区金融基础先天不足,服务半径大的难题,助力60余万农牧民群众脱贫致富。

王恒军是青海省门源回族自治县青石嘴镇下大滩村的致富户。两年前他还是村里典型的贫困户。

“当时两个孩子要上大学,家里就守着几亩地和我打零工的钱,年收入不足2000元,十分困难。”王恒军说,“多亏了政府和农商银行的扶贫工作队,他们主动来我家了解情况,还帮我贷款。”

2015年,王恒军用门源农商银行青石嘴支行发放的1万元贷款买了3个牛犊,两年后育肥了7头牛。

“一年就收入1万多元”,王恒军说,2016年农商银行工作人员回访后又给他发放了3万元的零利率、无担保、无抵押、只针对贫困户的扶贫小额信用贷款,让他有了加快发展的资金支持。

“还不止这些呢,今年银行把我的贷款额度提高到了5万元,我又租下了县城的铺面扩大经营,日子越过越好了。”王恒军说。

“双基联动”合作贷款就是通过村级党组织与基层金融机构合作,共同完成对农牧户的信用评级、贷款发放及贷款管理。村级党组织把每一户的生产生活和信用信息汇集到银行,为银行开展贷款提供基础,大大拓展了金融扶贫在农牧区的服务平台。

青海省委常委、组织部部长王宇燕介绍,两年来,“双基联动”的各基层金融机构创新推出“美丽乡村贷”“林权抵押贷”“春耕生产贷”“诚惠贷”“模范贷”等适合群众需求的金融产品,因人制宜、扩面增效,逐步惠及更多地区、更多群众,推动了农牧民增收、农牧业增产、农牧区经济发展。

“双基联动”合作贷款新模式经过两年多的实践,其信贷工作覆盖全省近60%的行政村,惠及60余万农牧民群众。

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