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小额信贷帮助群众创业兴家
2017-08-28 08:17:09 中国青年网
“要不是有扶贫小额信贷支持,我的草果产业就没有现在的发展。”站在绿油油的草果地里,迪四友满脸喜悦。
2014年,福贡县米俄罗村的迪四友与其他5名村民自愿组成农户联保小组,向乡信用社申请单户5万、总额30万元的扶贫小额信贷,用以扩大草果种植面积,并建设了300平方米的加工烤房,使年收入从原来的1万元增加到现在的6万元,带动了村里的草果种植业发展。
怒江傈僳族自治州是我省脱贫攻坚主战场,各族群众在脱贫致富的路上,想通过种植、养殖业和特色经济产业自主脱贫,但资金、技术是主要的拦路虎。近年来,中国人民银行怒江州中心支行积极落实国家惠民金融政策,把金融精准扶贫作为助推贫困户脱贫致富的重要推手,坚持金融市场培育和产业扶持相结合,不断优化金融资源空间分布和行业分布,金融资源持续向农村地区、基础设施建设、民生保障等领域倾斜,帮助贫困群众创业兴家,摆脱贫困。
据人行怒江州中心支行负责人介绍,扶贫小额信贷主要是为贫困户提供5万元以下、3年以内,免担保抵押、基准利率放贷、财政贴息、县级建立风险补偿金的信用贷款。目前,怒江发放扶贫小额贷款的银行已达9家,全州建档立卡贫困人口扶贫小额贷款余额7634.60万元,累计贴息818.75万元。
今年,省下达怒江州扶贫小额信贷计划共计5050万元。1至7月,怒江各银行已发放4180.8万元,覆盖29个乡镇177个行政村,惠及建档立卡贫困户1084户,建档立卡贫困户扶贫小额贷款申贷获得率为100%,主要用于贫困群众的种植、养殖生产经营。
本报记者 李寿华
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