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创新支持“三农” 乐山商行获贡献奖

2017-08-21 05:46:32   中国青年网

农村承包土地经营权抵押贷款、农民住房财产权抵押贷款、农家乐经营权和股权抵押贷款……8月18日下午,2017互联网+农业论坛之“普惠金融助推四川区县发展”圆桌对话上,乐山市商业银行副行长刘凡介绍了该行一些创新做法。本届论坛上,乐山商行因助推地方经济发展贡献突出,获“金融机构支持地方经济贡献奖”。

据刘凡介绍,作为四川省4家“千亿俱乐部”城市商业银行之一,乐山市商业银行一直以“服务地方经济,服务城乡居民,服务中小企业”为经营理念。近年来,该行围绕农业供给侧改革,着力于农村新型经济主体和乡村旅游、交通、医疗、教育等公共服务领域,初步探索出一套基于“弱抵押”“弱保证”的授信方法和渠道。为了防范“弱担保”的风险,该行同时在风险防控上进行了创新,一是金融产品适合了农村市场和农村客户,二是在风险控制措施上打破常规,创新了风险缓释机制。

华西都市报-封面新闻记者 丁伟

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