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邮储银行吕家进:农业现代化离不开金融的支持

2017-09-26 20:12:53   

经济日报-中国经济网北京9月26日讯 (记者 钱箐旎)“金融是现代经济的核心,要实现农业发展、农村繁荣和农民增收,离不开金融的强有力支持。”近日,在农业部金融服务农业现代化高峰论坛上,中国邮政储蓄银行行长吕家进表示,伴随着农业现代化的深入推进和蓬勃发展,现代农业对金融的需求则呈现出以下三个特点:一是由小额金融需求向规模金融需求转变;二是由单点金融需求向产业链金融需求转变;三是由个人金融需求向多元化金融需求转变。这些转变将会衍生出更大的市场空间,这必将成为农村金融的一片蓝海,同时也为金融业发展带来新的发展机遇。

吕家进表示,邮储银行在做好农村金融服务方面主要有三方面优势:一是网络覆盖广。近4万个营业网点,约71%分布在县及县以下地区,是全国县域网点最多、占比最高的金融机构。二是服务客户多。服务个人客户数达5.39亿户,公司客户达63万户。三是资产质量好。截至6月末,全行不良贷款率为0.82%,低于同业水平;拨备覆盖率288%,处于同业领先水平。目前邮储银行涉农业务占比高。涉农贷款余额突破1万亿元,今年上半年涉农贷款增长888亿元,占全行新增贷款的36%。可以说,邮储银行是一家不带“农”字,专注服务“三农”的大型商业银行。

“过去十年,邮储银行重点在支农支小上下功夫。邮储银行成立之初,就开发了纯信用、无抵押的小额贷款产品,并专注于这个业务的发展,成为国内小额贷款服务的主要提供者。”吕家进表示,十年来,邮储银行发放小额贷款1.37万亿元,服务农村近1000万家庭。

他进一步指出,2013年,中央做出“加快发展现代农业、推进中国特色农业现代化事业”的战略部署,邮储银行又把服务现代农业作为工作重点,力求在服务现代农业方面实现新突破。与传统农户相比,家庭农场、农民专业合作社、农业产业化龙头企业等新型农业经营主体,存在经营规模大、资金需求多、增信措施少的特点。根据这些需求和特点,邮储银行在产品设计上采取了提高额度、延长贷款期限、提供多方式增信等措施,创新推出了家庭农场及专业大户贷款、农民专业合作社贷款、农业产业链贷款、农村电商数据贷款等新的融资模式。截至6月末,邮储银行已发放新型农业经营主体贷款828亿元。此外,邮储银行还积极跟进农村产权制度改革,开发了农村承包土地的经营权抵押贷款和农民住房财产权抵押贷款产品,在安徽、吉林等19省的278个市县进行试点,发放贷款40多亿元。

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