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央视网消息(新闻联播):今天的“砥砺奋进的五年”系列报道我们要聚焦宁夏南部山区,那里是脱贫攻坚的“硬骨头”。在解决了温饱问题之后,缺乏发展资金成了老百姓脱贫致富的“拦路虎”。十八大以来,宁夏以金融扶贫助推产业扶贫,用小资金撬动了大脱贫。
蔡川村地处六盘山特困连片地区,历史上曾是宁夏最贫困的乡村之一。村民海德富祖辈几代人都生活在这里。几年前,因为一笔5万元的银行贷款,老海的生活发生了翻天覆地的变化。
老海说的“贷款支持”来自于中国邮政储蓄银行。十八大以来,邮储银行宁夏分行率先在蔡川村试点,采取“银行+致富能手+农户”的联保模式,弥补了贫困户没有抵押担保物的短板。
好借好还,再借不难。让金融扶贫持续发挥作用,必须培养村民的诚信意识。如今,在蔡川村,村民们最在乎的是自己的征信记录。
乡亲们飚着膀子比诚信,5年来,蔡川村个人单笔最高贷款额度从原来的2万元增加到了10万元,没有产生一笔坏账。
瞄准村里的重点扶贫项目,银行加大了对肉牛养殖的扶持力度。当地政府为蔡川村引进了550头从新西兰进口的优质母牛,邮储银行一次性发放了1100万贷款。
在金融扶贫助推产业扶贫的带动下,2016年年底,蔡川村实现了整村脱贫。
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