文章來源：四川省國資委 發布時(shi)間(jian)：2021-12-21
為創(chuang)(chuang)新金融服務模式，補齊(qi)發展(zhan)短板(ban)，破解(jie)四川省甘孜州內小(xiao)微企業(ye)和(he)“三農”業(ye)“融資難、融資貴、融資渠道少”的難題，甘孜州通過“完善+強(qiang)化+創(chuang)(chuang)新”有效整(zheng)合(he)金融資源，建(jian)立完善地(di)方金融投融資服務體系，帶(dai)動地(di)方經濟(ji)壯(zhuang)大，促(cu)進民(min)族地(di)區經濟(ji)協(xie)調發展(zhan)。
完善金融服務體系，籌建“新高地”企業
牢(lao)固樹(shu)立(li)“抓創(chuang)(chuang)新(xin)就(jiu)是(shi)抓發(fa)(fa)(fa)展(zhan)，謀創(chuang)(chuang)新(xin)就(jiu)是(shi)謀未來”的(de)(de)理(li)(li)(li)念，突出(chu)“做強一個(ge)平臺、打造兩個(ge)核心，形成‘金融(rong)(rong)+’多層次、多功能(neng)”的(de)(de)戰略思路，建立(li)健全(quan)(quan)金融(rong)(rong)服務體系(xi)。一是(shi)完善創(chuang)(chuang)新(xin)服務模式。按(an)照“搭建平臺、整合(he)資(zi)(zi)源、金融(rong)(rong)創(chuang)(chuang)新(xin)、服務企(qi)業”原則(ze)，組(zu)建甘孜(zi)(zi)(zi)州(zhou)(zhou)金控(kong)投資(zi)(zi)融(rong)(rong)資(zi)(zi)公(gong)(gong)司(si)(si)，下設(she)州(zhou)(zhou)中小企(qi)業融(rong)(rong)資(zi)(zi)擔(dan)保(bao)公(gong)(gong)司(si)(si)、州(zhou)(zhou)惠民(min)資(zi)(zi)產管(guan)理(li)(li)(li)公(gong)(gong)司(si)(si)、州(zhou)(zhou)迅捷融(rong)(rong)資(zi)(zi)咨詢(xun)服務公(gong)(gong)司(si)(si)等5家子企(qi)業，對其進(jin)(jin)行(xing)(xing)扁平化(hua)管(guan)理(li)(li)(li)，實行(xing)(xing)分(fen)級獨(du)立(li)核算、自負(fu)盈虧、自主經營(ying)、自擔(dan)風(feng)(feng)險，根據職能(neng)定位，為甘孜(zi)(zi)(zi)州(zhou)(zhou)經濟發(fa)(fa)(fa)展(zhan)提供全(quan)(quan)方位的(de)(de)金融(rong)(rong)支持。通過加(jia)強業務協同(tong)與資(zi)(zi)源共(gong)享，運用市場化(hua)手段，“投、保(bao)、租、擔(dan)”等體系(xi)化(hua)金融(rong)(rong)服務，作(zuo)為甘孜(zi)(zi)(zi)州(zhou)(zhou)產業發(fa)(fa)(fa)展(zhan)服務的(de)(de)金融(rong)(rong)體系(xi)的(de)(de)有力(li)補充。二是(shi)持續深(shen)化(hua)改(gai)革(ge)攻堅。推(tui)進(jin)(jin)三項制(zhi)度(du)(du)改(gai)革(ge)，優化(hua)公(gong)(gong)司(si)(si)組(zu)織架構、薪酬(chou)考核、管(guan)控(kong)體系(xi)，通過機構重(zhong)組(zu)、崗位重(zhong)設(she)，不斷激發(fa)(fa)(fa)企(qi)業內生動力(li)、發(fa)(fa)(fa)展(zhan)活力(li)。積極參股(gu)、入股(gu)民(min)營(ying)企(qi)業，穩妥推(tui)進(jin)(jin)混合(he)所有制(zhi)改(gai)革(ge)，在建筑、汽車(che)銷售、互聯(lian)網金融(rong)(rong)等領(ling)域放大(da)國有資(zi)(zi)本(ben)。三是(shi)做好(hao)風(feng)(feng)險防(fang)控(kong)。針對違約(yue)、代償、壞賬等風(feng)(feng)險加(jia)速顯現(xian)，經營(ying)風(feng)(feng)險日益加(jia)劇等實際，始終把風(feng)(feng)險控(kong)制(zhi)擺(bai)在業務發(fa)(fa)(fa)展(zhan)首(shou)位，成立(li)風(feng)(feng)險管(guan)理(li)(li)(li)委員(yuan)會，嚴格執行(xing)(xing)“三重(zhong)一大(da)”決策機制(zhi)，健全(quan)(quan)風(feng)(feng)險防(fang)控(kong)體系(xi)，制(zhi)定《擔(dan)保(bao)貸款操作(zuo)規程》、《全(quan)(quan)面風(feng)(feng)險管(guan)理(li)(li)(li)辦法》、《風(feng)(feng)險分(fen)類管(guan)理(li)(li)(li)辦法》等規章制(zhi)度(du)(du)10余個(ge)，縱深(shen)推(tui)進(jin)(jin)風(feng)(feng)險管(guan)控(kong)，切(qie)實筑牢(lao)生產經營(ying)“防(fang)火(huo)墻”。
強化融資擔保服務，發揮“孵化器”功能
充分發揮融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)、擔(dan)(dan)保(bao)(bao)等(deng)金(jin)融(rong)(rong)(rong)(rong)服務(wu)優勢，在(zai)融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)額度、風險(xian)防控、深化改(gai)革等(deng)方(fang)面下功(gong)(gong)夫、做文章(zhang)、求突破(po)，打造“甘(gan)(gan)孜(zi)(zi)金(jin)控”品牌，截至目前(qian)，甘(gan)(gan)孜(zi)(zi)州(zhou)(zhou)擔(dan)(dan)保(bao)(bao)放(fang)大倍(bei)數高(gao)于四(si)川(chuan)省平均水平0.8倍(bei)(四(si)川(chuan)省平均放(fang)大2.31倍(bei)，甘(gan)(gan)孜(zi)(zi)州(zhou)(zhou)放(fang)大3.1倍(bei)），擔(dan)(dan)保(bao)(bao)費(fei)低于四(si)川(chuan)省平均水平近7個百分點，代(dai)償(chang)率始終控制在(zai)2%以內，各項業(ye)(ye)(ye)務(wu)指標(biao)位居四(si)川(chuan)前(qian)列。一(yi)是(shi)豐富金(jin)融(rong)(rong)(rong)(rong)產品。甘(gan)(gan)孜(zi)(zi)州(zhou)(zhou)擔(dan)(dan)保(bao)(bao)業(ye)(ye)(ye)務(wu)涵蓋投資(zi)(zi)(zi)(zi)(zi)、融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)、融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)、非(fei)融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)、資(zi)(zi)(zi)(zi)(zi)產管理(li)(li)、咨詢服務(wu)、涉農(nong)(nong)項目、貿易、建(jian)筑(zhu)(zhu)、工(gong)程管理(li)(li)等(deng)。現已累計(ji)為19633戶中小(xiao)企(qi)(qi)業(ye)(ye)(ye)、個體工(gong)商戶等(deng)提供(gong)貸(dai)款擔(dan)(dan)保(bao)(bao)15.05億(yi)元(yuan)；為56戶建(jian)筑(zhu)(zhu)企(qi)(qi)業(ye)(ye)(ye)提供(gong)履約擔(dan)(dan)保(bao)(bao)135筆、12871.05萬元(yuan)；為160多(duo)(duo)家農(nong)(nong)村(cun)(cun)合作社、小(xiao)微(wei)企(qi)(qi)業(ye)(ye)(ye)等(deng)開展財務(wu)、法律等(deng)業(ye)(ye)(ye)務(wu)培(pei)訓500多(duo)(duo)人(ren)次，開展代(dai)理(li)(li)會計(ji)記賬、代(dai)辦(ban)工(gong)商稅務(wu)手續等(deng)業(ye)(ye)(ye)務(wu)300多(duo)(duo)筆。二(er)是(shi)籌建(jian)村(cun)(cun)鎮(zhen)(zhen)銀行。積(ji)極(ji)爭取相關政(zheng)策，籌建(jian)四(si)川(chuan)藏區(qu)首家村(cun)(cun)鎮(zhen)(zhen)銀行，完善甘(gan)(gan)孜(zi)(zi)州(zhou)(zhou)農(nong)(nong)村(cun)(cun)金(jin)融(rong)(rong)(rong)(rong)體系。目前(qian)前(qian)期(qi)各項準(zhun)備工(gong)作已完成(cheng)，待條件成(cheng)熟時，加(jia)速(su)推(tui)進組建(jian)工(gong)作，有(you)效(xiao)解(jie)決農(nong)(nong)村(cun)(cun)地區(qu)金(jin)融(rong)(rong)(rong)(rong)機(ji)構覆蓋率低、金(jin)融(rong)(rong)(rong)(rong)供(gong)給(gei)不足、競爭不充分、服務(wu)缺(que)位等(deng)“金(jin)融(rong)(rong)(rong)(rong)抑制”問題(ti)。三是(shi)全力扶持(chi)中小(xiao)企(qi)(qi)業(ye)(ye)(ye)。截至目前(qian)，累計(ji)為40多(duo)(duo)家小(xiao)微(wei)企(qi)(qi)業(ye)(ye)(ye)提供(gong)擔(dan)(dan)保(bao)(bao)1.7億(yi)元(yuan)，融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)金(jin)額3.5億(yi)元(yuan)，有(you)效(xiao)解(jie)決“融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)難、融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)貴”問題(ti)。通過(guo)強化融(rong)(rong)(rong)(rong)資(zi)(zi)(zi)(zi)(zi)擔(dan)(dan)保(bao)(bao)及保(bao)(bao)后監(jian)管服務(wu)，發揮“孵化器”功(gong)(gong)能，康(kang)定市達折渚生態農(nong)(nong)畜(chu)產品開發有(you)限公司(si)和甘(gan)(gan)孜(zi)(zi)州(zhou)(zhou)三祥(xiang)農(nong)(nong)牧科技有(you)限公司(si)兩家企(qi)(qi)業(ye)(ye)(ye)在(zai)天府股交中心新四(si)版成(cheng)功(gong)(gong)掛牌，有(you)效(xiao)提升了企(qi)(qi)業(ye)(ye)(ye)價值，實現財富增值。
創新多元產品模式，探索“新態勢”產業
牢固(gu)樹(shu)立(li)“抓創新(xin)就是(shi)(shi)抓發展(zhan)，謀創新(xin)就是(shi)(shi)謀未來”理(li)念(nian)，突出“做強一個平臺(tai)、打造兩個核心，形(xing)成‘金(jin)(jin)(jin)(jin)融(rong)(rong)+’多(duo)層次、多(duo)功能”戰(zhan)略思路(lu)，積極(ji)探索(suo)新(xin)形(xing)勢下(xia)(xia)金(jin)(jin)(jin)(jin)融(rong)(rong)服(fu)務(wu)產(chan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)。一是(shi)(shi)承(cheng)接易地扶貧搬遷。主動承(cheng)接異地扶貧貸(dai)(dai)(dai)款資(zi)金(jin)(jin)(jin)(jin)15.05億(yi)元(yuan)，全額劃轉(zhuan)至各縣（市(shi)(shi)），助(zhu)(zhu)(zhu)推脫貧攻(gong)堅；采(cai)取(qu)政府(fu)、銀行、擔保(bao)公司(si)“334”風(feng)險(xian)(xian)分(fen)擔模式(shi)，新(xin)增鄉村振興(xing)產(chan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)款擔保(bao)15戶、2145萬元(yuan)，助(zhu)(zhu)(zhu)力鄉村振興(xing)；獲得(de)擔保(bao)支持(chi)的(de)中小(xiao)(xiao)(xiao)微(wei)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)及(ji)“三(san)農(nong)”客戶創造稅收(shou)(shou)2.15億(yi)元(yuan)、間接帶(dai)動就業(ye)(ye)(ye)(ye)(ye)(ye)(ye)21000余人(ren)，助(zhu)(zhu)(zhu)力社(she)(she)會穩(wen)定(ding)(ding)；為(wei)(wei)州內28戶中小(xiao)(xiao)(xiao)微(wei)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)提供融(rong)(rong)資(zi)咨詢、幫助(zhu)(zhu)(zhu)貸(dai)(dai)(dai)款10214萬元(yuan)，50多(duo)家(jia)農(nong)村合作(zuo)社(she)(she)和(he)中小(xiao)(xiao)(xiao)微(wei)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)開展(zhan)財務(wu)、金(jin)(jin)(jin)(jin)融(rong)(rong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)等(deng)孵化(hua)培訓達100余人(ren)次，助(zhu)(zhu)(zhu)力市(shi)(shi)場(chang)培育。二是(shi)(shi)運作(zuo)“兩資(zi)金(jin)(jin)(jin)(jin)”項目。設(she)立(li)風(feng)險(xian)(xian)補償金(jin)(jin)(jin)(jin)和(he)應(ying)急轉(zhuan)貸(dai)(dai)(dai)金(jin)(jin)(jin)(jin)，擬定(ding)(ding)“兩資(zi)金(jin)(jin)(jin)(jin)”方案(an)及(ji)細則(ze)、銀行比(bi)選方案(an)和(he)評分(fen)表、銀行托(tuo)管(guan)協議、業(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)操(cao)作(zuo)規程、風(feng)險(xian)(xian)管(guan)理(li)制(zhi)度(du)；完成數據庫建(jian)立(li)、資(zi)金(jin)(jin)(jin)(jin)專項賬戶開立(li)和(he)資(zi)金(jin)(jin)(jin)(jin)劃轉(zhuan)工作(zuo)，實(shi)現(xian)“兩資(zi)金(jin)(jin)(jin)(jin)”實(shi)質運作(zuo)，截至目前，累(lei)(lei)計(ji)發放(fang)應(ying)急轉(zhuan)貸(dai)(dai)(dai)資(zi)金(jin)(jin)(jin)(jin)7筆(bi)，共計(ji)3286萬元(yuan)；累(lei)(lei)計(ji)發放(fang)風(feng)險(xian)(xian)補償金(jin)(jin)(jin)(jin)2筆(bi)，共計(ji)1000萬元(yuan)。三(san)是(shi)(shi)開展(zhan)小(xiao)(xiao)(xiao)微(wei)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)“戰(zhan)疫貸(dai)(dai)(dai)”。通(tong)過“幾家(jia)抬”引導(dao)(dao)實(shi)現(xian)疫情(qing)防(fang)控重(zhong)點企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)及(ji)疫情(qing)防(fang)控期間中小(xiao)(xiao)(xiao)微(wei)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)和(he)新(xin)型(xing)農(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)經(jing)(jing)營(ying)(ying)主體(ti)快速獲得(de)貸(dai)(dai)(dai)款和(he)融(rong)(rong)資(zi)成本(ben)(ben)大幅下(xia)(xia)降(jiang)。累(lei)(lei)計(ji)支持(chi)中小(xiao)(xiao)(xiao)微(wei)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)和(he)新(xin)型(xing)農(nong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)經(jing)(jing)營(ying)(ying)主體(ti)“戰(zhan)疫貸(dai)(dai)(dai)”項目擔保(bao)貸(dai)(dai)(dai)款14筆(bi)金(jin)(jin)(jin)(jin)額8000余萬元(yuan)。通(tong)過減(jian)免租金(jin)(jin)(jin)(jin)、減(jian)半收(shou)(shou)取(qu)擔保(bao)費(fei)用的(de)惠(hui)企舉措(cuo)支持(chi)重(zhong)點企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)復工達產(chan)、中小(xiao)(xiao)(xiao)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)持(chi)續發展(zhan)，合力打贏疫情(qing)防(fang)控阻擊戰(zhan)。四是(shi)(shi)開發互金(jin)(jin)(jin)(jin)平臺(tai)“優信(xin)行”。依(yi)托(tuo)互聯網(wang)技術手段、資(zi)本(ben)(ben)市(shi)(shi)場(chang)，堅持(chi)以(yi)市(shi)(shi)場(chang)為(wei)(wei)導(dao)(dao)向，以(yi)經(jing)(jing)濟效益為(wei)(wei)中心，組(zu)建(jian)甘孜州金(jin)(jin)(jin)(jin)控優信(xin)行互聯網(wang)信(xin)息服(fu)務(wu)有限責任公司(si)。切實(shi)增強以(yi)資(zi)本(ben)(ben)運營(ying)(ying)為(wei)(wei)主的(de)經(jing)(jing)營(ying)(ying)手段，運用現(xian)代經(jing)(jing)營(ying)(ying)管(guan)理(li)理(li)念(nian)，服(fu)務(wu)和(he)解決廣(guang)大人(ren)群、小(xiao)(xiao)(xiao)微(wei)企業(ye)(ye)(ye)(ye)(ye)(ye)(ye)融(rong)(rong)資(zi)難、融(rong)(rong)資(zi)貴等(deng)問題，規范民間借貸(dai)(dai)(dai)，引導(dao)(dao)寺廟金(jin)(jin)(jin)(jin)融(rong)(rong)轉(zhuan)向合法(fa)的(de)市(shi)(shi)場(chang)經(jing)(jing)濟。
【責任編輯：語謙】