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西山村里绘小康 四川阿坝金融扶贫进行时

2018-06-15 17:43:49    来源:金融时报-中国金融新闻网   作者:吴迪  点击数:

金融支持西山村只是阿坝州金融扶贫的一个缩影。截至2017年底,阿坝州金融机构向全州64个产业基地发放贷款14亿元,其中使用扶贫再贷款7.5亿元,涵盖农业产业化、乡村旅游、民族文化、创业就业等类型,直接带动贫困户3500余户。

在四川省阿坝藏族羌族自治州理县西山村,当记者见到村民黄秀英时,她已经喜摘贫困帽。盘点去年全家10万余元收入,黄秀英如数家珍,老公在浮云牧场做杂工,一天能挣120元;家里的民宿招待客人,收入56万元;售卖土特产,每年能挣两万多元。

海拔2000多米的高半山贫困村西山村,共有4个村民小组、181户农户,其中,建档立卡贫困户31户、101人,像黄秀英这样上演脱贫致富精彩故事的不是个例。4年时间,该村贫困发生率已由17%降至1.7%,人均年收入从不足3000元到上万元,这是阿坝州“扶贫再贷款+产业基地+整村推进+贫困户”金融扶贫模式结出的累累硕果。

突出产业带动:“扶贫再贷款+基地+贫困户”

“在计划完善民宿硬件设施但资金紧缺的时候,我急得焦头烂额,就试着给理县农村信用社的工作人员打了个电话,没想到,刚过了两天,人行阿坝中支的工作人员就和理县信用社的工作人员一道来了,通过实地走访了解到我们经营状况好,而且还能有效带动周边贫困户、农户的情况后,就给我们批了600万元贷款,利率4.35%,用的是央行扶贫再贷款资金。”浮云牧场的负责人说。

浮云牧场是在阿坝州“党委总揽、政府主导、人行推动、部门联动、金融机构参与”金融扶贫机制下,由理县县委、政府引入的产业带动项目。为支持浮云牧场立足贫困村、带动贫困户,金融积极跟进,人行阿坝中支指导理县农信社运用扶贫再贷款为浮云牧场发放贷款600万元,贷款利率4.35%,累计为浮云牧场节约融资成本40余万元。浮云牧场通过提供就业岗位,解决52名村民务工问题,直接带动8户贫困户年均增收3万余元;通过与西山村26户贫困户签订农副土特产品收购协议,带动户均增收1万余元,以浮云牧场品牌为依托,带动西山村引导30余户农户采取临时接待的方式,实现户均增收6000元左右。

突出精准滴灌:“扶贫再贷款+整村推进+贫困户”

“我们以前日子太难过了,现在终于好起来了,要感谢政府帮我们发展旅游,还要感谢信用社主动上门宣传政策,在晓得我是贫困户之后,还给我发放了5万元贴息贷款,帮我把农家乐搞起来了。”黄秀英说。

人行阿坝中支确定理县农信社为西山村金融扶贫责任单位,全面落实对该村31户贫困户的信用评级、金融知识宣传工作。理县农信社聘请驻村第一书记、党支部书记、村委会主任为金融联络员,开展金融知识宣传、贷款投向监测、贷后辅助管理等工作。西山村成立风控评级小组,对贫困户开展评级授信,评级面达100%,有效信贷需求满足率达100%。为防范扶贫贷款风险,理县政府建立751万元扶贫小额信贷分险基金,按照银行和分险基金2:8的比例进行风险分担。在县级扶贫小额信贷分险基金的撬动和保障下,理县农信社根据评级结果,对西山村有产业发展和贷款需求的贫困户发放扶贫小额信贷171万元,全部运用扶贫再贷款资金发放,贷款利率均为4.35%,有效信贷需求满足率达100%,并享受财政全额贴息。在扶贫小额信贷的支持下,部分贫困户开始发展大樱桃、青红脆李等特色农作物种植,实现增收脱贫。

在西山村推进“扶贫再贷款+个人精准扶贫贷款”的过程中,人行阿坝中支始终非常注重信用环境打造,注重“信用、信贷”联动。西山村村民从最初授信200元到现在授信5万元,体现了信用累积过程。2017年,西山村被阿坝州农村信用体系建设领导小组评定为信用村,其中评定信用户149户,占比达82%。为支持西山村整村更好发展,人行阿坝中支指导理县农信社运用扶贫再贷款进行支持,累计使用扶贫再贷款发放农户贷款1000余万元。

金融支持西山村只是阿坝州金融扶贫的一个缩影。截至2017年底,阿坝州金融机构向全州64个产业基地发放贷款14亿元,其中使用扶贫再贷款7.5亿元,涵盖农业产业化、乡村旅游、民族文化、创业就业等类型,直接带动贫困户3500余户。对全州606个贫困村实现金融支持全覆盖,已完成对所有贫困户评级授信,对符合条件的1.25万户贫困户发放扶贫小额信贷2.93亿元,其中使用扶贫再贷款2.82亿元,贷款覆盖率达70%以上。

责任编辑:FreeMarker template error: get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvst43_6. See cause exception. The failing instruction (FTL stack trace): ---------- ==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50] ---------- Java stack trace (for programmers): ---------- freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$FastClassBySpringCGLIB$$48520056.invoke() at org.springframework.cglib.proxy.MethodProxy.invoke(MethodProxy.java:204) at org.springframework.aop.framework.CglibAopProxy$CglibMethodInvocation.invokeJoinpoint(CglibAopProxy.java:700) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:150) at org.springframework.transaction.interceptor.TransactionInterceptor$1.proceedWithInvocation(TransactionInterceptor.java:96) at org.springframework.transaction.interceptor.TransactionAspectSupport.invokeWithinTransaction(TransactionAspectSupport.java:260) at org.springframework.transaction.interceptor.TransactionInterceptor.invoke(TransactionInterceptor.java:94) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:172) at org.springframework.aop.framework.CglibAopProxy$DynamicAdvisedInterceptor.intercept(CglibAopProxy.java:633) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$EnhancerBySpringCGLIB$$9500d33c.content() at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365) at sun.reflect.GeneratedMethodAccessor63729.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at org.springframework.web.bind.annotation.support.HandlerMethodInvoker.invokeHandlerMethod(HandlerMethodInvoker.java:176) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.invokeHandlerMethod(AnnotationMethodHandlerAdapter.java:440) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.handle(AnnotationMethodHandlerAdapter.java:428) at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:919) at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:851) at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:953) at org.springframework.web.servlet.FrameworkServlet.doPost(FrameworkServlet.java:855) at javax.servlet.http.HttpServlet.service(HttpServlet.java:656) at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:829) at javax.servlet.http.HttpServlet.service(HttpServlet.java:737) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:229) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.web.websocket.server.WsFilter.doFilter(WsFilter.java:48) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.orm.hibernate3.support.OpenSessionInViewFilter.doFilterInternal(OpenSessionInViewFilter.java:230) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:88) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.ieccms.common.web.ProcessTimeFilter.doFilter(ProcessTimeFilter.java:35) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.webtier.core.DefaultWrapperValve.invoke(DefaultWrapperValve.java:193) at com.bes.enterprise.webtier.core.DefaultContextValve.invoke(DefaultContextValve.java:92) at com.bes.enterprise.webext.BesContextCleanupValve.invoke(BesContextCleanupValve.java:50) at com.bes.enterprise.webext.BESAppservValve.invoke(BESAppservValve.java:41) at com.bes.enterprise.webtier.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:540) at com.bes.enterprise.webtier.core.DefaultHostValve.invoke(DefaultHostValve.java:136) at com.bes.enterprise.webtier.valves.ErrorReportValve.invoke(ErrorReportValve.java:77) at com.bes.enterprise.webtier.core.DefaultEngineValve.invoke(DefaultEngineValve.java:83) at com.bes.enterprise.webtier.connector.CoyoteAdapter.service(CoyoteAdapter.java:349) at com.bes.enterprise.web.crane.http11.Http11Processor.service(Http11Processor.java:594) at com.bes.enterprise.web.crane.AbstractProcessorLight.process(AbstractProcessorLight.java:61) at com.bes.enterprise.web.crane.AbstractProtocol$ConnectionHandler.process(AbstractProtocol.java:802) at com.bes.enterprise.web.util.net.NioEndpoint$SocketProcessor.doRun(NioEndpoint.java:1627) at com.bes.enterprise.web.util.net.SocketProcessorBase.run(SocketProcessorBase.java:45) at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149) at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624) at com.bes.enterprise.web.util.threads.WorkThread$WrappingRunnable.run(WorkThread.java:57) at java.lang.Thread.run(Thread.java:748) Caused by: java.lang.reflect.InvocationTargetException at sun.reflect.GeneratedMethodAccessor62895.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:912) at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:275) at freemarker.ext.beans.BeanModel.get(BeanModel.java:182) ... 75 more Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [com.ieccms.cms.entity.main.CmsUser#293] at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:435) at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:189) at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:182) at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:215) at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190) at com.ieccms.cms.entity.main.CmsUser_$$_jvst43_6.getRealname(CmsUser_$$_jvst43_6.java) ... 81 more