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四川省南充市仪陇县:县域金融“三大支柱”助力产业发展

2017-09-18 07:41:44   中国经济网

四川省南充市仪陇县构建了“以银行业金融机构为主、准金融机构为辅、草根金融为补充”的县域金融“三大支柱”,在助力当地产业发展、农户致富的过程中杠杆作用非常明显。

四川仪陇惠民村镇银行行长李川告诉记者,村镇银行、贷款公司受到资本金的制约,无法单独满足龙头企业、种养大户的大额信贷资金需求,为了整合“三农”、县域金融服务资源,四川天府银行、四川仪陇惠民村镇银行、四川仪陇惠民贷款公司3家金融机构协同运作,共同提供大额、中长期信贷资金。

这种以金融机构为主、准金融机构为辅的模式恰到好处地解决了种养大户、龙头企业融资瓶颈,为城市金融反哺农村金融提供畅通、便捷的渠道。

仪陇县马鞍镇险岩村山高坡陡,制约了当地经济发展。这个小村子在贫困线上挣扎的村民曾经占比近四成。

2015年8月,食用菌种植被确定为当地产业发展的新路子。在险岩村金融助推脱贫攻坚示范基地,占地80亩的香菇园采用“龙头企业+农民合作社+家庭农场”的模式,年种植菌袋120万袋,入园农户人均年收入超过了3万元。

“这种模式,我们银行也很感兴趣。”李川告诉记者,在对项目实地调查和对行业前景、盈利模式进行分析后,仪陇惠民村镇银行运用人民银行扶贫再贷款资金,结合贫困户实际生产情况,对具有较强劳动生产能力的贫困户提供贷款5万元至15万元;对劳动生产能力较弱的贫困户,该行将信贷资金投向产业园区,贫困户只需要出资1万元至5万元不等,就能租用合作社大棚种植2000袋至1万袋香菇,户均年纯收入1万元以上。

仪陇农商银行副行长王东明告诉记者,该行累计向当地中味食品公司发放贷款1500万元,并累计向其1223户下游客户发放小额信用贷款6200万元用于发展榨菜、辣椒种植,通过公司包销,带动农户人均年增收1500元。

2014年,商务部在仪陇县为全国首个民富可持续发展中心授牌。该中心致力于解决农民、农业和农村发展的金融服务问题,最终形成一个以农民合作社为基础的农村资金互助合作金融体系。目前,仪陇县已有70多个村建立了资金互助社,互助资金规模超过了4000万元。

资金互助社采取“富裕户入股,一般户配股,贫困户赠股”方式,富裕户出资1000元,一般户出资500元,政府配套500元,对群众评选出的贫困户,由政府出资赠一股。在“草根金融”的帮助下,村民们增加了责任感,有借有还、滚动发展,依靠小额信用贷款发展产业。

2006年仪陇县全县贷款不足20亿元,而现在仅仪陇农商银行一家,贷款余额就达到了73.46亿元。正是通过政策支持、正向激励,仪陇县域金融“三大支柱”真正起到了四两拨千斤的作用,实现了“服务跟着需求走”“产品跟着市场走”“创新跟着用户走”。(经济日报记者 刘 畅)

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