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上海农商银行立足农门包含农情探索三农金融新天地

2017-08-17 11:30:54   央广网

央广网上海8月17日消息(记者吴善阳 通讯员张安立)作为全国首家在省级农信社基础上整体改制成立的股份制商业银行,上海农商银行长期以来积极拥抱“三农”市场,服务本地都市农业,在涉农信贷资源投入方面一直不遗余力。数据显示,该行“三农”贷款占比多年均保持在30%左右,2017年6月底,已实现涉农贷款规模627.8亿元,是全市涉农贷款占比最高、市场份额最多的商业银行,已成为上海“三农”金融服务的主力军和领先者。

  普惠金融助“农”,坚持政策资源倾斜

多年来,上海农商银行坚持践行普惠金融,着力增加普惠金融服务和产品供给,明显改善对“三农”、小微企业等薄弱领域的金融服务水平。尽管上海这座国际大都市的农业占比不足1%,但就是这样的“微不足道”,恰恰“不可或缺”。金融如何对接农业,上海农商银行有自己的办法。

首先,始终坚持涉农贷款优惠利率。上海农商银行对财政担保资金项下的农民合作社贷款执行基准利率;对于其他各类“三农”信贷业务也以优惠于一般企业的利率执行,让利于农业和农民。同时,始终坚持倾斜的信贷政策。该行多年来坚持对涉农贷款信贷规模“只设下限,不设上限”。在信贷投向上,优先满足促进“三农”经济发展的信贷需求,优先支持现代农业产业链各个环节的业务。同时,始终坚持对郊区的资源投入。为了让现代电子服务进城乡,使更多农村中低收入人群体验到现代化金融服务,享受普惠金融带来的便利,同时克服郊区尤其是偏远郊区的网点维护费用较高的问题,上海农商银行在9个郊区设立240多家网点,基本实现了乡镇全覆盖;投放ATM、存取款一体机近1000台,基本做到每个乡镇网点机具投放量不低于2台;投放存折取款机100多台,满足乡镇存折客户的用款需求;此外,还在郊区投放多媒体自助终端近300台,不仅受理本行卡缴费,也支持他行卡缴费,缓解了农村地区公用事业费缴费难等问题。

2016年11月,为支持发展上海现代都市农业建设,上海农商银行与上海市农委签订了300亿元授信的战略合作协议,重点用于支持上海现代农业发展涉及的42个重点项目。

  服务科技兴“农”,助力上海科创中心建设

作为上海地区小企业贷款金额和客户最多的银行之一,凭借在中小企业金融服务领域精耕细作的多年经验,上海农商银行深刻认识到科技企业这批具有不断创新蓬勃活力的生力军,已逐渐成为推动经济发展的重要力量。面对激烈的市场竞争,该行在细分目标客户市场上做文章,与同业形成差异化竞争优势。

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