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陕西泾阳信用联社信贷扶贫、普惠金融助力扶贫攻坚

2017-09-25 20:46:54   央广网

联社领导先后三次分别在安吴镇王家村、兴隆镇寺底何村、云阳镇街子村召开了扶贫贷款推进会,面对面向群众宣讲信贷扶贫政策,又通过县电视台向社会报道,通过泾阳信合微信平台向群众推送,基本让贫困户吃透了政策内容,激发起了贫困户的贷款意愿。

联社领导还有的放矢,推出了“尽职免责”措施,只要每笔贷款发放情况真实,程序合规,即使贷款到期后暂时没有按期收回,联社也不予追究贷款调查人和审批人的责任,在此基础上,还按贷款发放金额的一定比例给付相应的绩效薪酬,并承诺现阶段接受台账处罚人员,此类薪酬不纳入处罚范围,极大地调动了客户经理的扶贫积极性,促进了扶贫贷款的持续稳定增长。

扶贫贷款发放初期,泾阳联社就发现了一个在当时看来很难破解的难题,即有些申贷户有经营能力,而有些贫困户虽有贷款意愿,但缺乏经营经验,将款贷给本人很可能出现风险。经过多次会议研究,泾阳联社决定紧紧依托当地产业优势,紧贴县域经济“黑、白、红、绿”四大主导产业做文章(黑,及茯茶加工;白,即奶牛养殖;红,即酿酒葡萄种植;绿,即反季节大棚蔬菜种植)。 他们及时与县扶贫办、县蔬菜中心、畜牧中心、果业中心和茯茶中心等联系,经过多次对接探讨,推出了四种扶贫模式:一是“5321”模式,即贷款额度在5万元及以内,贷款期限在3年以内,无需担保和抵押,一律执行国家基准利率,且贷款期限内政府财政予以全额贴息。二是“企业(合作社、能人大户)帮扶”模式,即由企业(合作社、能人大户)申贷,定期向贫困户分红,具体帮扶名册由村、镇、县三级共同审查后移交联社,经联社审核符合贷款条件的,予以发放扶贫贷款。三是“雅泰”模式,即以闻名全国、总投资达5.28亿元、年产能力达30000吨的本土乳制品龙头企业雅泰乳业公司为依托,有劳动能力的贫困户可与雅泰公司签订合同,由雅泰公司承贷,负责为贫困户建设养殖基地、购买奶山羊及全程技术指导、疫情防治、鲜奶回购等全包产业帮扶,从而带动贫困户增收。四是“互助资金协会”模式,主要面向辖内兴隆、桥底、安吴等镇互助协会的贫困户会员,以协会推荐为主,经联社调查符合贷款条件的,予以信贷支持。

泾阳联社在积极开展信贷扶贫的同时,还不断延伸服务触角,竭力为包括贫困群众在内的广大群众提供力所能及的其他金融服务,建立了普惠金融服务站,使群众既可在此办理代收代缴费用业务,又可领取各项惠农补贴,还可随时购买各种日常生活用品和化肥、种子等生产资料,使群众办理基础金融业务不出村、综合金融业务不出镇的梦想成为现实。

泾阳联社还按照泾阳县委、县政府安排,派出专门的扶贫工作队常驻分包的安吴镇王家村实施精准扶贫。今年以来,先后捐款3万元为村里修建了砂石生产路,春节期间为15户贫困户各送去了500慰问金和米、面、油等物品,初夏又为各户分别赠送了1台电风扇,为贫困户李清合购买了2只奶山羊,筹资8万元对李永、李清合、张社教进行了危房改造,为刘建林和欧小明、门岐山各发放扶贫贷款3万元,支持他们进行家禽养殖和大棚菜种植......在联社锲而不舍的帮扶下,各贫困户的家庭收入均较往年稳步提高。

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