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【人民网】阿坝农信联社:突出金融精准扶贫助推地方经济发展

2019-08-07 10:41:20    来源:人民网   作者:  点击数:

阿坝州理县信用社给予信贷支持建设的浮云牧场无边泳池。

近年来,阿坝州农信联社坚持“农村金融主力军、地方金融主力军、普惠金融主力军”定位,扎实推进乡村振兴战略、大力支持民营小微经济、大力服务实体经济发展,为阿坝州经济社会发展及“一州两区三家园”建设做出积极贡献。

与“农”共舞,作“三农”最贴心的舞伴。阿坝农信联社持续深入探索实施“农信+”合作模式,通过与若尔盖县、汶川县、理县、九寨沟县、金川县等5县签订政银战略合作协议,与四川农担签订合作协议,聘请第一书记、村两委为金融联络员,创新信贷产品、加大服务力度、开展贷款集中审查审批机制等措施,积极支持农超、农社、农企等新型业态,实现农民与市场、农民与企业的有效链接;加大支持“现代、生态、特色、精品、高效”农牧林业发展,助力培育“净土阿坝”区域品牌。目前,阿坝农信联社投放涉农贷款114.84亿元,占全州银行业40%,其中:支持新型农业经营主体贷款4.14亿元,占全州银行业66%,发放农户小额信贷11.64亿元,占全州银行业98%。

与“企”并进,作“小微”最真诚的伙伴。阿坝农信始终把支持小微、民营企业发展作为支持自身发展的重要战略定位,积极开展小微金融知识宣传和融资对接,增强小微企业与农信社的连接,提升小微企业金融资源可获得性。通过产品、服务、机制创新,坚持“四单”原则,以“蜀信·税金贷”等产品,积极探索创新融资担保方式破解融资贵、难、慢难题,发放首笔林果权抵押贷款300万元、林权抵押贷款2560万元。持续加大小微企业培育和信贷投放,对符合条件的客户做到应贷尽贷。支持小微企业201家,平均利率6.29%,余额52.05亿元。

为“政”分忧,作“党政”最得力的助手。阿坝农信联社作为阿坝州唯一的地方法人金融机构,近三年年均纳税近1.2亿元,对地方经济的贡献度位居全州银行业首位。一是全力支持重大民生项目,积极应对重大自然灾害,独家发放汶川“5.12”大地震灾后重建贷款和牧民定居贷款17.85亿元。二是积极支持重点项目建设和产业发展,大力支持优势产业、特色产业发展,发放水电行业贷款12.85亿元,涉旅贷款43.87亿元,发放农副产品加工贷款7.6亿元,支持特色种养殖业8.95亿元,支持州内省级重点工业项目、企业8个发放贷款1.8亿元。三是积极支持“飞地”工业园区建设,积极与成阿、德阿工业园区对接,累计对成阿工业园区3家企业发放贷款1.93亿元。四是积极投放“双创”信贷,累计发放妇女小额担保贷款、青年创业贷款、大学生创业贷款、农民工返乡创业贷款、下岗人员再就业创业贷款等创业贷款3.03亿元,有力推动“双创”工作。五是坚持结合地方特色优势、产业项目规划,因地制宜支持地方经济发展。将映秀分社升级为州联社直管的县级信用社,以更高的标准要求,更好的服务阿坝州内群众在成都及周边地区经商、出行、就业、就学等金融需求,更快的服务“飞地”工业园区小微企业发展,取得了积极成效。实现存贷规模8.79亿元。同时积极指导辖内信用社贯彻落实地方党政决策部署,如:100%支持汶川县“5.12”地震、“7.10”泥石流灾后重建贷款,汶川信用社以38%的存款市场份额支持了全县56%的贷款

狠抓信贷投放,增强扶贫动力。将扶贫信贷投放作为撬动精准扶贫的重要支点,推动“扶贫再贷款+扶贫小额信贷”支持模式,累计使用人行扶贫再贷款27.68亿元,带动7977户建档立卡贫困户增收致富,为客户节约融资成本1亿余元。对符合条件的建档立卡贫困户、带贫主体做到应贷尽贷,累计支持建档立卡贫困户8910户、金额3.44亿元。

产业带动扶贫,确保长效脱贫。将产业带动扶贫为支持重点,增加信贷投放,实施利率优惠,引导企业、个体经营户等经营主体将建档立卡贫困户纳入产业化经营链条,通过劳务用工、收购原材料、入股分红等方式持续带动贫困人口增收脱贫,推动建立“信用社让利、企业带动、贫困户受益”的利益联结机制,不断提高新型农业经营主体贷款可获得性,更好带动贫困户就业增收。累计发放产业扶贫贷款金额23.94亿元,向企业让利5000万余元,近0.54万余贫困人口受益。

创新扶贫模式,提升服务质效。强化扶贫再贷款助推脱贫攻坚基地建设,积极推动“基地+企业+农户”“基地+合作社+农户”等模式,充分发挥基地辐射带动效应,建立基地45个,发放贷款9.08亿元,带动1万余户农户增收致富。如:在理县贫困村西山村创新开展“金融+再贷款+产业+整村推进+贫困户”金融扶贫模式。深化“党建+金融+扶贫”帮扶模式,主动对接贫困村19 个,派驻各类帮扶干部8人,累计给予信贷支持9400万元,年捐赠物资100余万元,帮助贫困村、贫困户改善基础环境、发展脱贫产业。积极发放生源地助学贷款,开展关爱贫困学子活动,为贫困农村学生提供就业实习机会。同时,按照“脱贫不脱政策”的原则,持续做好脱贫户的后续金融支持工作。

优化贫困地区金融服务渠道,提升普惠金融供给率。阿坝农信联社持续完善 “固定网点+电子银行+金融自助机具+流动服务网点+汽车银行+金融服务点(站)+金融服务联络员”金融服务渠道体系,提高金融服务供给率和覆盖率,提升老百姓金融服务获得感,建设186个物理网点、占全州银行业网点总数的71%,其中乡镇网点149个、占比80%,占银行业乡镇网点总数的92%;布放助银行设备256台、POS机643台、农惠63台通、EPOS机1257台、助农取款点等金融服务站(点)50余处;推广306户商户入驻蜀信e·惠生活金融平台,为农副产品搭起展示的平台和销售的桥梁。计划在2022年底前总投入6500万元,在全州实现乡村综合金融服务站(点)、金融服务联络员全覆盖,切实解决贫困地区金融服务“最后一公里”问题。

据悉,截至6月末,阿坝农信联社存贷规模273.80亿元,存贷比高达72.67%,以28.31%的存款市场份额发放全州38.14%的贷款

责任编辑:FreeMarker template error: get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvstbe_6. See cause exception. The failing instruction (FTL stack trace): ---------- ==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50] ---------- Java stack trace (for programmers): ---------- freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$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$$6958ba50.content() at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365) at sun.reflect.GeneratedMethodAccessor8515.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.GeneratedMethodAccessor7319.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_$$_jvstbe_6.getRealname(CmsUser_$$_jvstbe_6.java) ... 81 more