所在位置: 農(nóng)信資訊 > 媒體報道

西山村里繪小康 四川阿壩金融扶貧進(jìn)行時

2018-06-15 17:43:49    來源:金融時報-中國金融新聞網(wǎng)   作者:吳迪  點擊數(shù):

金融支持西山村只是阿壩州金融扶貧的一個縮影。截至2017年底,阿壩州金融機(jī)構(gòu)向全州64個產(chǎn)業(yè)基地發(fā)放貸款14億元,其中使用扶貧再貸款7.5億元,涵蓋農(nóng)業(yè)產(chǎn)業(yè)化、鄉(xiāng)村旅游、民族文化、創(chuàng)業(yè)就業(yè)等類型,直接帶動貧困戶3500余戶。

在四川省阿壩藏族羌族自治州理縣西山村,當(dāng)記者見到村民黃秀英時,她已經(jīng)喜摘貧困帽。盤點去年全家10萬余元收入,黃秀英如數(shù)家珍,老公在浮云牧場做雜工,一天能掙120元;家里的民宿招待客人,收入5、6萬元;售賣土特產(chǎn),每年能掙兩萬多元。

海拔2000多米的高半山貧困村西山村,共有4個村民小組、181戶農(nóng)戶,其中,建檔立卡貧困戶31戶、101人,像黃秀英這樣上演脫貧致富精彩故事的不是個例。4年時間,該村貧困發(fā)生率已由17%降至1.7%,人均年收入從不足3000元到上萬元,這是阿壩州“扶貧再貸款+產(chǎn)業(yè)基地+整村推進(jìn)+貧困戶”金融扶貧模式結(jié)出的累累碩果。

突出產(chǎn)業(yè)帶動:“扶貧再貸款+基地+貧困戶”

“在計劃完善民宿硬件設(shè)施但資金緊缺的時候,我急得焦頭爛額,就試著給理縣農(nóng)村信用社的工作人員打了個電話,沒想到,剛過了兩天,人行阿壩中支的工作人員就和理縣信用社的工作人員一道來了,通過實地走訪了解到我們經(jīng)營狀況好,而且還能有效帶動周邊貧困戶、農(nóng)戶的情況后,就給我們批了600萬元貸款,利率4.35%,用的是央行扶貧再貸款資金。”浮云牧場的負(fù)責(zé)人說。

浮云牧場是在阿壩州“黨委總攬、政府主導(dǎo)、人行推動、部門聯(lián)動、金融機(jī)構(gòu)參與”金融扶貧機(jī)制下,由理縣縣委、政府引入的產(chǎn)業(yè)帶動項目。為支持浮云牧場立足貧困村、帶動貧困戶,金融積極跟進(jìn),人行阿壩中支指導(dǎo)理縣農(nóng)信社運(yùn)用扶貧再貸款為浮云牧場發(fā)放貸款600萬元,貸款利率4.35%,累計為浮云牧場節(jié)約融資成本40余萬元。浮云牧場通過提供就業(yè)崗位,解決52名村民務(wù)工問題,直接帶動8戶貧困戶年均增收3萬余元;通過與西山村26戶貧困戶簽訂農(nóng)副土特產(chǎn)品收購協(xié)議,帶動戶均增收1萬余元,以浮云牧場品牌為依托,帶動西山村引導(dǎo)30余戶農(nóng)戶采取臨時接待的方式,實現(xiàn)戶均增收6000元左右。

突出精準(zhǔn)滴灌:“扶貧再貸款+整村推進(jìn)+貧困戶”

“我們以前日子太難過了,現(xiàn)在終于好起來了,要感謝政府幫我們發(fā)展旅游,還要感謝信用社主動上門宣傳政策,在曉得我是貧困戶之后,還給我發(fā)放了5萬元貼息貸款,幫我把農(nóng)家樂搞起來了。”黃秀英說。

人行阿壩中支確定理縣農(nóng)信社為西山村金融扶貧責(zé)任單位,全面落實對該村31戶貧困戶的信用評級、金融知識宣傳工作。理縣農(nóng)信社聘請駐村第一書記、黨支部書記、村委會主任為金融聯(lián)絡(luò)員,開展金融知識宣傳、貸款投向監(jiān)測、貸后輔助管理等工作。西山村成立風(fēng)控評級小組,對貧困戶開展評級授信,評級面達(dá)100%,有效信貸需求滿足率達(dá)100%。為防范扶貧貸款風(fēng)險,理縣政府建立751萬元扶貧小額信貸分險基金,按照銀行和分險基金2:8的比例進(jìn)行風(fēng)險分擔(dān)。在縣級扶貧小額信貸分險基金的撬動和保障下,理縣農(nóng)信社根據(jù)評級結(jié)果,對西山村有產(chǎn)業(yè)發(fā)展和貸款需求的貧困戶發(fā)放扶貧小額信貸171萬元,全部運(yùn)用扶貧再貸款資金發(fā)放,貸款利率均為4.35%,有效信貸需求滿足率達(dá)100%,并享受財政全額貼息。在扶貧小額信貸的支持下,部分貧困戶開始發(fā)展大櫻桃、青紅脆李等特色農(nóng)作物種植,實現(xiàn)增收脫貧。

在西山村推進(jìn)“扶貧再貸款+個人精準(zhǔn)扶貧貸款”的過程中,人行阿壩中支始終非常注重信用環(huán)境打造,注重“信用、信貸”聯(lián)動。西山村村民從最初授信200元到現(xiàn)在授信5萬元,體現(xiàn)了信用累積過程。2017年,西山村被阿壩州農(nóng)村信用體系建設(shè)領(lǐng)導(dǎo)小組評定為信用村,其中評定信用戶149戶,占比達(dá)82%。為支持西山村整村更好發(fā)展,人行阿壩中支指導(dǎo)理縣農(nóng)信社運(yùn)用扶貧再貸款進(jìn)行支持,累計使用扶貧再貸款發(fā)放農(nóng)戶貸款1000余萬元。

金融支持西山村只是阿壩州金融扶貧的一個縮影。截至2017年底,阿壩州金融機(jī)構(gòu)向全州64個產(chǎn)業(yè)基地發(fā)放貸款14億元,其中使用扶貧再貸款7.5億元,涵蓋農(nóng)業(yè)產(chǎn)業(yè)化、鄉(xiāng)村旅游、民族文化、創(chuàng)業(yè)就業(yè)等類型,直接帶動貧困戶3500余戶。對全州606個貧困村實現(xiàn)金融支持全覆蓋,已完成對所有貧困戶評級授信,對符合條件的1.25萬戶貧困戶發(fā)放扶貧小額信貸2.93億元,其中使用扶貧再貸款2.82億元,貸款覆蓋率達(dá)70%以上。

責(zé)任編輯: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