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為推動鄉(xiang)村(cun)振興(xing)，實現農(nong)(nong)業農(nong)(nong)村(cun)持續良好(hao)發(fa)展，江(jiang)蘇(su)省農(nong)(nong)村(cun)信用社(she)聯合社(she)（簡稱：江(jiang)蘇(su)省聯社(she)）引導全(quan)省農(nong)(nong)商行(xing)堅守(shou)“三(san)農(nong)(nong)”市場(chang)定位，完(wan)善農(nong)(nong)村(cun)地區基礎金融服(fu)務，改進重點(dian)領域金融服(fu)務，不斷提(ti)高普惠金融服(fu)務的(de)覆蓋率、可得(de)性(xing)和滿意度(du)。至2018年(nian)末(mo)，江(jiang)蘇(su)省農(nong)(nong)商行(xing)涉農(nong)(nong)貸(dai)款余(yu)額6993.1億(yi)元，比(bi)年(nian)初增(zeng)加622.2億(yi)元，增(zeng)幅9.8%。江(jiang)蘇(su)省農(nong)(nong)商行(xing)用占全(quan)省同(tong)業14.6%的(de)存款份額，發(fa)放(fang)了(le)占全(quan)省21.6%的(de)涉農(nong)(nong)貸(dai)款、49.2%的(de)農(nong)(nong)戶貸(dai)款、100%的(de)扶貧貸(dai)款，有效(xiao)發(fa)揮了(le)支農(nong)(nong)主力軍作用。

強化行業規劃引領，讓信貸服務向農村延伸

江蘇省(sheng)聯社研究制(zhi)定(ding)(ding)全(quan)系統(tong)三年(nian)(nian)發展戰略規劃，指導(dao)農(nong)(nong)(nong)(nong)商(shang)(shang)行(xing)(xing)把(ba)握好服(fu)(fu)(fu)務(wu)(wu)“三農(nong)(nong)(nong)(nong)”定(ding)(ding)位與(yu)(yu)方(fang)向，進(jin)一步(bu)明晰市場戰略和(he)工作重點，引導(dao)農(nong)(nong)(nong)(nong)商(shang)(shang)行(xing)(xing)全(quan)力(li)(li)服(fu)(fu)(fu)務(wu)(wu)農(nong)(nong)(nong)(nong)業供(gong)給側改革，持(chi)續加大(da)(da)涉農(nong)(nong)(nong)(nong)新業態新動能信(xin)(xin)(xin)貸(dai)投(tou)放，將授信(xin)(xin)(xin)重點逐步(bu)向農(nong)(nong)(nong)(nong)村新型經營主(zhu)體(ti)、小微企業延伸，積(ji)極(ji)打造(zao)支(zhi)農(nong)(nong)(nong)(nong)支(zhi)小“綠色(se)(se)通(tong)道”。督促(cu)江蘇農(nong)(nong)(nong)(nong)商(shang)(shang)行(xing)(xing)圍繞農(nong)(nong)(nong)(nong)戶建檔(dang)100%的(de)目(mu)標，扎(zha)實推(tui)進(jin)走訪建檔(dang)工作，提質升級“陽光信(xin)(xin)(xin)貸(dai)”平臺(tai)，充分利用(yong)預評級、預授信(xin)(xin)(xin)等功(gong)能，提高農(nong)(nong)(nong)(nong)村客戶授信(xin)(xin)(xin)效率(lv)，增強普(pu)惠金融服(fu)(fu)(fu)務(wu)(wu)供(gong)給，努力(li)(li)解(jie)決與(yu)(yu)農(nong)(nong)(nong)(nong)戶信(xin)(xin)(xin)息不(bu)對(dui)稱難題。同時，連續多年(nian)(nian)在(zai)江蘇農(nong)(nong)(nong)(nong)商(shang)(shang)行(xing)(xing)開展服(fu)(fu)(fu)務(wu)(wu)“三農(nong)(nong)(nong)(nong)”、服(fu)(fu)(fu)務(wu)(wu)小微的(de)勞動競賽(sai)。在(zai)對(dui)農(nong)(nong)(nong)(nong)商(shang)(shang)行(xing)(xing)的(de)考(kao)(kao)核中大(da)(da)幅提高涉農(nong)(nong)(nong)(nong)貸(dai)款投(tou)放相(xiang)關指標權重，并把(ba)“支(zhi)農(nong)(nong)(nong)(nong)支(zhi)小”履職評價與(yu)(yu)農(nong)(nong)(nong)(nong)商(shang)(shang)行(xing)(xing)高管選人用(yong)人相(xiang)結合(he)，各(ge)農(nong)(nong)(nong)(nong)商(shang)(shang)行(xing)(xing)也相(xiang)應制(zhi)定(ding)(ding)了各(ge)具特(te)色(se)(se)的(de)服(fu)(fu)(fu)務(wu)(wu)“三農(nong)(nong)(nong)(nong)”考(kao)(kao)核辦法，從而充分激發全(quan)系統(tong)服(fu)(fu)(fu)務(wu)(wu)“三農(nong)(nong)(nong)(nong)”的(de)積(ji)極(ji)性。至2018年(nian)(nian)末，已完成農(nong)(nong)(nong)(nong)戶普(pu)惠建檔(dang)1189.3萬(wan)戶，通(tong)過“陽光信(xin)(xin)(xin)貸(dai)”對(dui)431.8萬(wan)個城鄉居(ju)民(min)家庭授信(xin)(xin)(xin)5020.3億(yi)元(yuan)(yuan)，其中對(dui)404.9萬(wan)個農(nong)(nong)(nong)(nong)民(min)家庭授信(xin)(xin)(xin)3417.3億(yi)元(yuan)(yuan)。依托圓鼎易貸(dai)通(tong)卡(ka)，大(da)(da)力(li)(li)推(tui)廣手(shou)機自助貸(dai)業務(wu)(wu)，打造(zao)“線上(shang)申請、自動授信(xin)(xin)(xin)、余額控制(zhi)、隨(sui)用(yong)隨(sui)貸(dai)”快速(su)便捷的(de)線上(shang)融資服(fu)(fu)(fu)務(wu)(wu)體(ti)驗，至年(nian)(nian)末已用(yong)信(xin)(xin)(xin)72.1萬(wan)戶、1599.5億(yi)元(yuan)(yuan)。

專注主業優化配置，讓金融資源更聚焦農業

江(jiang)(jiang)蘇(su)(su)(su)省(sheng)聯社全(quan)力指導各農(nong)(nong)(nong)(nong)(nong)(nong)商(shang)行(xing)不斷優(you)(you)化(hua)(hua)資(zi)源配置，加大信(xin)(xin)貸(dai)(dai)(dai)(dai)支(zhi)持(chi)力度(du)，加大對(dui)高(gao)標(biao)準(zhun)農(nong)(nong)(nong)(nong)(nong)(nong)田、高(gao)效節水農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)、土(tu)地綜(zong)合整治等農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)基礎領(ling)域的(de)(de)(de)服務力度(du)，主動支(zhi)持(chi)設施農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)開(kai)展新機具、新技術推廣應用，找準(zhun)信(xin)(xin)貸(dai)(dai)(dai)(dai)支(zhi)持(chi)規模(mo)化(hua)(hua)、特(te)色化(hua)(hua)、優(you)(you)勢化(hua)(hua)農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)切(qie)入點(dian)(dian)。當年(nian)累(lei)(lei)計(ji)投放(fang)現代農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)95.7億(yi)元(yuan)，其(qi)(qi)中(zhong)發放(fang)規模(mo)糧食(shi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)32.5億(yi)元(yuan)，休閑農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)9.1億(yi)元(yuan)，觀光農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)6.5億(yi)元(yuan)，開(kai)放(fang)型農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)0.7億(yi)元(yuan)；當年(nian)累(lei)(lei)計(ji)投放(fang)各類新型農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)經營(ying)主體貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)320.2億(yi)元(yuan)，其(qi)(qi)中(zhong)發放(fang)農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)龍頭企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)176.0億(yi)元(yuan)，發放(fang)農(nong)(nong)(nong)(nong)(nong)(nong)村經營(ying)大戶貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)89.4億(yi)元(yuan)，發放(fang)家庭農(nong)(nong)(nong)(nong)(nong)(nong)場貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)24.7億(yi)元(yuan)，農(nong)(nong)(nong)(nong)(nong)(nong)民合作社30.1億(yi)元(yuan)。指導和督(du)促相關(guan)農(nong)(nong)(nong)(nong)(nong)(nong)商(shang)行(xing)更加熟練(lian)、更加精(jing)準(zhun)地抓(zhua)好(hao)扶貧(pin)小額(e)(e)(e)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)有序投放(fang)和規范(fan)管理，至2018年(nian)末，已對(dui)江(jiang)(jiang)蘇(su)(su)(su)省(sheng)新一(yi)輪建檔立(li)卡貧(pin)困(kun)(kun)農(nong)(nong)(nong)(nong)(nong)(nong)戶累(lei)(lei)計(ji)發放(fang)扶貧(pin)貼息小額(e)(e)(e)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)22.5億(yi)元(yuan)，惠及8.6萬個貧(pin)困(kun)(kun)農(nong)(nong)(nong)(nong)(nong)(nong)戶。有效盤(pan)活農(nong)(nong)(nong)(nong)(nong)(nong)村土(tu)地、房產資(zi)源，開(kai)展“兩權(quan)”抵(di)押貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)試點(dian)(dian)，年(nian)末江(jiang)(jiang)蘇(su)(su)(su)12家試點(dian)(dian)農(nong)(nong)(nong)(nong)(nong)(nong)商(shang)行(xing)“兩權(quan)”抵(di)押貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)余額(e)(e)(e)28.8億(yi)元(yuan)、貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)戶數8019戶，比(bi)年(nian)初(chu)分別增加12.7億(yi)元(yuan)、2941戶，貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)余額(e)(e)(e)增長78%，高(gao)于各項貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)增幅63.4個百分點(dian)(dian)。深入探索(suo)創新涉(she)農(nong)(nong)(nong)(nong)(nong)(nong)擔保(bao)，積極推進(jin)與江(jiang)(jiang)蘇(su)(su)(su)省(sheng)農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)信(xin)(xin)貸(dai)(dai)(dai)(dai)擔保(bao)公(gong)司的(de)(de)(de)戰略合作，年(nian)末，在保(bao)余額(e)(e)(e)13.8億(yi)元(yuan)，占江(jiang)(jiang)蘇(su)(su)(su)省(sheng)各金融(rong)機構(gou)合作在保(bao)總(zong)額(e)(e)(e)的(de)(de)(de)41.3%，位列江(jiang)(jiang)蘇(su)(su)(su)省(sheng)同業(ye)(ye)(ye)(ye)(ye)(ye)(ye)第一(yi)。

完善網絡渠道建設，讓普惠金融向農民靠近

江(jiang)蘇省聯社指(zhi)導和(he)督促各家農商(shang)行(xing)(xing)(xing)把(ba)完善(shan)普惠(hui)金(jin)融服(fu)務(wu)(wu)(wu)網(wang)(wang)絡(luo)和(he)渠道(dao)作為(wei)發(fa)展普惠(hui)金(jin)融、精耕細作農村(cun)市場的(de)基(ji)礎優先(xian)工作來抓，著(zhu)力在提高(gao)網(wang)(wang)點(dian)(dian)(dian)覆蓋面(mian)、優化網(wang)(wang)點(dian)(dian)(dian)布局、強化網(wang)(wang)點(dian)(dian)(dian)功(gong)(gong)能(neng)(neng)配套、提升網(wang)(wang)點(dian)(dian)(dian)服(fu)務(wu)(wu)(wu)水平等方面(mian)狠下功(gong)(gong)夫(fu)，加快離(li)行(xing)(xing)(xing)式自助(zhu)銀行(xing)(xing)(xing)、離(li)行(xing)(xing)(xing)式ATM機的(de)布點(dian)(dian)(dian)建設進度，為(wei)客戶(hu)(hu)提供(gong)高(gao)效快捷(jie)、智能(neng)(neng)化服(fu)務(wu)(wu)(wu)。目前，江(jiang)蘇省62家農商(shang)行(xing)(xing)(xing)3183個物(wu)理網(wang)(wang)點(dian)(dian)(dian)覆蓋了全(quan)部縣域與鄉鎮，代理農業(ye)(ye)、民政、衛(wei)生(sheng)、社會保障、計(ji)生(sheng)、教育、村(cun)級、保險等方面(mian)130項財政補(bu)貼的(de)發(fa)放(fang)工作，全(quan)年累(lei)計(ji)代發(fa)涉農補(bu)貼金(jin)額199.44億(yi)元，累(lei)計(ji)代收新農合保費(fei)3.07億(yi)元，代發(fa)9.12億(yi)元，惠(hui)及江(jiang)蘇省所有農戶(hu)(hu)。優化調整“村(cun)村(cun)通(tong)”特約商(shang)戶(hu)(hu)發(fa)展布局，1.99萬(wan)特約商(shang)戶(hu)(hu)覆蓋了江(jiang)蘇省所有行(xing)(xing)(xing)政村(cun)，有效滿足了農村(cun)客戶(hu)(hu)日常金(jin)融服(fu)務(wu)(wu)(wu)需求。目前，“村(cun)村(cun)通(tong)”平臺除(chu)提供(gong)查詢、取款(kuan)、消費(fei)、轉(zhuan)賬等基(ji)礎金(jin)融服(fu)務(wu)(wu)(wu)功(gong)(gong)能(neng)(neng)外，還疊加了一(yi)系(xi)列關系(xi)民生(sheng)的(de)特色業(ye)(ye)務(wu)(wu)(wu)功(gong)(gong)能(neng)(neng)：51家農商(shang)行(xing)(xing)(xing)推(tui)出了水費(fei)繳(jiao)(jiao)費(fei)業(ye)(ye)務(wu)(wu)(wu)；16家農商(shang)行(xing)(xing)(xing)推(tui)出了燃氣(qi)費(fei)繳(jiao)(jiao)費(fei)業(ye)(ye)務(wu)(wu)(wu)；28家農商(shang)行(xing)(xing)(xing)推(tui)出了新農保繳(jiao)(jiao)費(fei)業(ye)(ye)務(wu)(wu)(wu)；33家農商(shang)行(xing)(xing)(xing)推(tui)出了有線電(dian)(dian)視繳(jiao)(jiao)費(fei)業(ye)(ye)務(wu)(wu)(wu)；54家農商(shang)行(xing)(xing)(xing)推(tui)出了電(dian)(dian)費(fei)、電(dian)(dian)信話(hua)費(fei)、移動(dong)話(hua)費(fei)繳(jiao)(jiao)費(fei)業(ye)(ye)務(wu)(wu)(wu)。“村(cun)村(cun)通(tong)”平臺全(quan)年累(lei)計(ji)辦理交(jiao)易筆(bi)數(shu)2254.55萬(wan)筆(bi)、金(jin)額261.02億(yi)元。

持續推進產品創新，讓金融服務更具質感

江蘇(su)省(sheng)(sheng)聯社(she)(she)加(jia)強科技(ji)創(chuang)新(xin)整體(ti)規(gui)劃和頂層設計，重點(dian)加(jia)強互聯網(wang)+、大(da)數據應(ying)用、智慧銀行(xing)(xing)建設等(deng)，著力支(zhi)持(chi)農商行(xing)(xing)在業(ye)務、服(fu)務、產品及技(ji)術等(deng)方(fang)面的(de)移(yi)動(dong)互聯網(wang)化(hua)升級(ji)，以(yi)移(yi)動(dong)端為載體(ti)，推進線下業(ye)務線上(shang)遷移(yi)，借(jie)助科技(ji)手(shou)段推進便民(min)惠民(min)服(fu)務，逐(zhu)步將各類生活場景(jing)應(ying)用到(dao)手(shou)機銀行(xing)(xing)、微信銀行(xing)(xing)，豐富多元(yuan)(yuan)化(hua)的(de)移(yi)動(dong)支(zhi)付場景(jing)，實現主(zhu)流支(zhi)付渠道(dao)全(quan)(quan)覆蓋、主(zhu)要業(ye)務場景(jing)全(quan)(quan)覆蓋，打造立體(ti)流暢的(de)移(yi)動(dong)金(jin)融服(fu)務體(ti)驗，至(zhi)年(nian)末，累計開通物業(ye)費(fei)、學費(fei)等(deng)19類繳費(fei)，簽(qian)約移(yi)動(dong)支(zhi)付客戶(hu)2259.74萬戶(hu)，較(jiao)年(nian)初增長57%。督(du)促江蘇(su)省(sheng)(sheng)農商行(xing)(xing)配合做好社(she)(she)保(bao)卡(ka)發(fa)(fa)放和激活工(gong)作(zuo)，2018年(nian)，合作(zuo)發(fa)(fa)行(xing)(xing)社(she)(she)會保(bao)障卡(ka)3549.77萬張，占(zhan)(zhan)江蘇(su)省(sheng)(sheng)發(fa)(fa)卡(ka)總量的(de)一(yi)半以(yi)上(shang)。主(zhu)動(dong)對(dui)接政(zheng)府需(xu)求(qiu)，繼續全(quan)(quan)力代(dai)(dai)理好城(cheng)(cheng)鎮職(zhi)工(gong)養老(lao)保(bao)險、新(xin)型城(cheng)(cheng)鄉居民(min)醫(yi)療保(bao)險，全(quan)(quan)年(nian)累計代(dai)(dai)收城(cheng)(cheng)鄉居民(min)新(xin)型養老(lao)保(bao)險費(fei)43.21億(yi)(yi)元(yuan)(yuan)，代(dai)(dai)發(fa)(fa)87.85億(yi)(yi)元(yuan)(yuan)；累計代(dai)(dai)收城(cheng)(cheng)鎮職(zhi)工(gong)養老(lao)保(bao)險費(fei)72.41億(yi)(yi)元(yuan)(yuan)，代(dai)(dai)發(fa)(fa)141.77億(yi)(yi)元(yuan)(yuan)。目前江蘇(su)農商行(xing)(xing)代(dai)(dai)理城(cheng)(cheng)鄉居保(bao)和養老(lao)份額占(zhan)(zhan)全(quan)(quan)省(sheng)(sheng)60%以(yi)上(shang)。引導農商行(xing)(xing)積極融入鄉村社(she)(she)會治理，持(chi)續推動(dong)江蘇(su)省(sheng)(sheng)村級(ji)集體(ti)資金(jin)管理服(fu)務和“三資”陽光監管平臺建設，至(zhi)年(nian)末，江蘇(su)省(sheng)(sheng)有19家農商行(xing)(xing)完成系統上(shang)線，服(fu)務管理村級(ji)賬戶(hu)1798個，歸集監管資金(jin)33.9億(yi)(yi)元(yuan)(yuan)。

【責任編輯：王鈺】