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践行普惠金融的“农行样本”

2017-08-10 08:10:26   

今年全国金融工作会议上,党和国家领导人再次强调发展普惠金融的重要意义,并首次提出“建设普惠金融体系”,为普惠金融的下一步发展指明了方向。

什么是普惠金融?从字面上理解,“普”是指人人可得,“惠”是指惠及百姓,这与让广大人民群众共享改革发展成果的理念契合。身处农村的农民,是最需要普惠金融支持的群体。因此,让农业人口能以平等的机会、合理的价格享有高质量的金融服务,是各家金融机构应当肩负起的社会责任,也是助力“三位一体”信用环节突破应该付诸的行动。农行浙江省分行带了好头,做了榜样。

首先,致力农村地区金融生态基础建设。国务院印发的《推进普惠金融发展规划(2016-2020)》中提出,到2020年要实现“乡乡有机构,村村有服务,乡镇一级基本实现银行物理网点和保险服务全覆盖”的发展目标。没有金融生态基础,所有的服务都是空谈。农行浙江省分行主动沉下身子,将人力物力资源向农村倾斜,全省布局了935个物理网点和667个惠农金融服务点,1.5万台惠农通机具,更是实现了全省基础金融服务“村村通”,切实承担起了支农支小的社会责任,体现了国有银行在普惠金融上的大行担当。

其次,集中力量突破三农信用管理的难点。信用问题长期困扰农民融资。一些传统金融机构往往将农村居民贷款拒之门外,主要原因是农民往往缺乏有效抵押物,同时也缺乏信用数据记录,正是由于信息不对称才导致了农民贷款贵、难、慢。要想发展普惠金融,必须紧紧抓住信用难题的“中枢”。农行浙江省分行敢于创新,通过内外部资源整合,依靠“线上+线下”的模式建立村民信贷档案数据库,搜集农户的信用大数据,并通过系统进行授信额度测算,弥补农民的“信用空白”,使之成为信用贷款发放的依据,走出了一条运用互联网思维破解农民融资难题的新路子。

最后,因地制宜结合区域特点开展普惠工作。浙江是互联网发展的热土,互联网恰好能解决农村普惠金融“影响面窄、速度慢”的问题。农行浙江省分行依托互联网技术推出的惠农网贷,以完善信用数据、降低交易成本为抓手,借助移动端,让农民最快5分钟可以拿到资金,并且贷款利率大大低于同业和民间借贷利率,在大大降低农民融资成本的同时,更提高了融资效率,是“互联网+普惠金融”的生动实践。

党中央、国务院高度重视普惠金融工作,“普惠金融”这一关键词连续三年出现在政府工作报告之中,也被写入了“十三五”规划,是金融行业未来发展的重要着力点。各金融机构应当回归本源,在实践中敢于亮出自己的“宝剑”,推动普惠金融的持续发展。

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