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打通农村普惠金融“堵点”

四川农信将调查研究置于查摆问题之初,扎根基层回应群众关切

2019-09-06 15:49:07    来源:四川日报   作者:侯冲  点击数:

【看成效】存钱缴费在村里一站搞定

  “茶叶要炒一道揉一道,三炒三揉,最后烘干。”825日,蒙蒙细雨中,雅安市名山区解放乡银木村村民高欣钰手持木铲,教游客炒茶。她身边围着十几人,边看边拍。

  高欣钰一直想开一家茶旅融合的农家乐,但苦于没有启动资金。今年6月,村里四川农信乡村金融综合服务站的业务员郑淋,在听说高欣钰的需求后,主动找上门来,为她提供了30万元的贷款,并对该信贷产品作了详细介绍。

  “通过四川农信手机银行就可以自助放款和还款,在贷款期限内还能循环使用。”高欣钰说,如今丈夫主厨,她负责教游客炒茶,一家人把农家乐开得红红火火。银木村党支部书记彭启华告诉记者,目前全村共有11户村民办起了农家乐,其中10户都通过服务站办了贷款

  银木村曾是金融服务“盲区”。村民罗军拥有十几亩茶园,一到春天,光是卖茶叶每天就能收入几千元,但这也给他带来幸福的烦恼。原来,卖茶收入大部分以现金交易,而距离银木村最近的银行在五六公里外的解放乡上。“存吧,每天折腾一遍;不存吧,那么多现金放家里不放心。”罗军说。

  为进一步提升农村金融服务水平,四川农信在广泛调研基础上,在银木村探索建立了全省首家乡村金融综合服务站。服务站位于村委会一楼,走进服务站,迎面就是一台自动存取款机。“现在到村委会就能存钱了。”罗军笑说。

  在服务站,记者见到了来这里缴纳水电费的村民叶本科。他说,之前缴水电费必须去两个不同的乡镇。如今在服务站里,一站就能搞定。截至7月末,四川农信已打造乡村金融综合服务站(点)1783个,聘用金融服务联络员2.35万名,农村金融“毛细血管”进一步畅通。

  主题教育开展后,郑淋又遍访了村里农家乐。他发现,随着中秋、国庆等节假日临近,村里农家乐又将迎来一个黄金期,但不少村民此前将贷款用在了装修上,如今面临流动资金少的困境,可能影响接待能力。针对这种情况,雅安农商银行名山支行决定,再增加一定生产经营性授信额度,额度为5万到10万元。

  “这回可以放手干了!”高欣钰兴奋地说。

 

【谈体会】坚持把“改”字贯穿全过程

  省农村信用社联合社党委书记、理事长艾毓斌:

  “不忘初心、牢记使命”主题教育开展以来,省农信联社将学习贯彻习近平新时代中国特色社会主义思想与“三农”金融服务工作紧密结合起来,坚持把“改”字贯穿全过程,边学习、边调研、边检视、边整改,做到了“规定动作”有序落实,“自选动作”彰显特色,确保主题教育取得实实在在成效。

  明重点,抓好统筹组织。根据主题教育安排,结合四川农信实际,先后制定领导班子成员调研方案、督促指导方案等6个工作方案和“8+3+2+2”专项整治方案,对主题教育各项重点工作进行再明确、再细化。

  访民意,搞好调查研究。把调查研究置于查摆问题之初、贯穿主题教育始终,结合讲专题党课和征求意见工作,全省农信系统各级领导班子积极深入一线了解掌握第一手资料,实事求是检视问题。目前,共梳理意见建议51条。

  强整改,做实为民服务。逐一梳理并列出问题清单、整改清单、责任清单,对问题实行销号管理,一件一件整改到位。主题教育以来,在安岳、攀枝花等地,创新推出“柠檬贷”“攀果贷”等金融产品,满足“三农”发展有效融资需求。开展以走访一般农户、贫困户、小微企业等为重点的“走千访万”活动,有针对性地提供普惠金融服务。加大乡村金融综合服务站(点)建设推进力度,计划在5年之内,在具备条件的乡镇、行政村实现乡村金融综合服务站(点)服务全覆盖。特别是617日宜宾市长宁县发生6.0级地震后,第一时间提供应急救灾贷款,最大限度满足灾区群众、企业应急救灾和灾后恢复重建金融服务需求。

  今年67月,全省农信系统各项存款增长快于同期、各项贷款投放稳步增长,其中,涉农贷款占全省银行业的28.4%。上半年小微企业贷款利率同比下降2个基点。(转载于《四川日报》2019年9月4日二版头条)

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:178) 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