新闻 > 社会
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China

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)

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/10000169/20170918/31450028.html
Server: cms-8-252
Date: 2024/11/15 10:31:22

Powered by China
China