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　　近(jin)年來，廣(guang)西(xi)農(nong)(nong)(nong)信(xin)社把(ba)(ba)解決農(nong)(nong)(nong)民(min)(min)(min)工(gong)貸款難問題當作服務“三(san)農(nong)(nong)(nong)”工(gong)作的主線之(zhi)一，堅持把(ba)(ba)支持返鄉(xiang)農(nong)(nong)(nong)民(min)(min)(min)工(gong)就業創業作為(wei)保增(zeng)長、保穩定的主要(yao)抓手(shou)，積極(ji)為(wei)返鄉(xiang)農(nong)(nong)(nong)民(min)(min)(min)創業、就業提(ti)供優(you)質高效的金融服務和(he)信(xin)貸支持。近(jin)3年來，累計發(fa)放農(nong)(nong)(nong)民(min)(min)(min)工(gong)創業貸款326億元(yuan)。

　　以(yi)農(nong)(nong)戶小(xiao)額信(xin)用貸(dai)款(kuan)(kuan)(kuan)和農(nong)(nong)戶聯(lian)保貸(dai)款(kuan)(kuan)(kuan)業(ye)(ye)務為(wei)抓(zhua)手，搭(da)建(jian)農(nong)(nong)民(min)工(gong)(gong)金融服(fu)務平臺(tai)。將農(nong)(nong)戶小(xiao)額信(xin)用貸(dai)款(kuan)(kuan)(kuan)額度(du)(du)從(cong)原(yuan)來的1-2萬(wan)(wan)元(yuan)(yuan)提高(gao)到最高(gao)5萬(wan)(wan)元(yuan)(yuan)，部分個(ge)體工(gong)(gong)商(shang)(shang)業(ye)(ye)較(jiao)(jiao)發達或農(nong)(nong)業(ye)(ye)產業(ye)(ye)化程度(du)(du)較(jiao)(jiao)高(gao)的縣域(yu)調整到15萬(wan)(wan)元(yuan)(yuan)，滿足了農(nong)(nong)村(cun)種(zhong)(zhong)養(yang)大(da)(da)(da)戶等(deng)(deng)(deng)農(nong)(nong)民(min)創業(ye)(ye)的金融服(fu)務需求。在支(zhi)持傳統種(zhong)(zhong)養(yang)業(ye)(ye)的基礎上，將服(fu)務對(dui)(dui)象從(cong)單(dan)純(chun)的從(cong)事(shi)家庭式種(zhong)(zhong)養(yang)農(nong)(nong)戶擴大(da)(da)(da)到農(nong)(nong)村(cun)多種(zhong)(zhong)經營(ying)戶、個(ge)體工(gong)(gong)商(shang)(shang)戶、農(nong)(nong)民(min)專(zhuan)業(ye)(ye)合(he)作社以(yi)及農(nong)(nong)村(cun)小(xiao)企業(ye)(ye)。同時，將小(xiao)額貸(dai)款(kuan)(kuan)(kuan)用途(tu)從(cong)單(dan)純(chun)支(zhi)持種(zhong)(zhong)植、養(yang)殖(zhi)等(deng)(deng)(deng)農(nong)(nong)業(ye)(ye)生(sheng)產擴大(da)(da)(da)到農(nong)(nong)產品加工(gong)(gong)、運(yun)輸、流通、貿易(yi)等(deng)(deng)(deng)各環節融資(zi)需求，支(zhi)持農(nong)(nong)民(min)工(gong)(gong)多行(xing)業(ye)(ye)、多途(tu)徑創業(ye)(ye)。另外，實行(xing)優惠(hui)利(li)率(lv)(lv)(lv)，切實減(jian)輕(qing)農(nong)(nong)民(min)負(fu)擔，對(dui)(dui)從(cong)事(shi)商(shang)(shang)業(ye)(ye)經營(ying)、旅游(you)消費(fei)的農(nong)(nong)戶貸(dai)款(kuan)(kuan)(kuan)利(li)率(lv)(lv)(lv)上浮(fu)幅(fu)度(du)(du)不得超過20%，種(zhong)(zhong)植養(yang)殖(zhi)等(deng)(deng)(deng)生(sheng)產性的農(nong)(nong)戶貸(dai)款(kuan)(kuan)(kuan)利(li)率(lv)(lv)(lv)上浮(fu)幅(fu)度(du)(du)不得超過10%的優惠(hui)利(li)率(lv)(lv)(lv)，最大(da)(da)(da)限度(du)(du)減(jian)輕(qing)廣大(da)(da)(da)農(nong)(nong)民(min)工(gong)(gong)創業(ye)(ye)成(cheng)本。2014年又(you)取消銀行(xing)卡異(yi)地取款(kuan)(kuan)(kuan)手續(xu)費(fei)，年讓利(li)額將達到1.6億元(yuan)(yuan)，有效減(jian)輕(qing)了農(nong)(nong)民(min)工(gong)(gong)負(fu)擔。

　　支持涉農(nong)(nong)企(qi)業(ye)和農(nong)(nong)業(ye)產(chan)(chan)業(ye)化龍(long)(long)頭(tou)企(qi)業(ye)發(fa)展，吸(xi)引更(geng)多返(fan)鄉(xiang)(xiang)農(nong)(nong)民工創業(ye)就業(ye)。加大(da)對農(nong)(nong)村產(chan)(chan)業(ye)化龍(long)(long)頭(tou)企(qi)業(ye)的資金支持力度，推廣“公司+基地+農(nong)(nong)戶(hu)”、“公司+農(nong)(nong)民專業(ye)合作社(she)+農(nong)(nong)戶(hu)”的貸款(kuan)模(mo)式(shi)，吸(xi)引大(da)量的返(fan)鄉(xiang)(xiang)農(nong)(nong)民工加入到(dao)農(nong)(nong)業(ye)產(chan)(chan)業(ye)化的鏈(lian)條中(zhong)，促(cu)進農(nong)(nong)民工就地就近就業(ye)創業(ye)。2013年，該社(she)累計向桑(sang)蠶(can)、制糖、酒精、淀粉(fen)、茉莉花、松(song)脂等(deng)我(wo)區優勢產(chan)(chan)業(ye)發(fa)放貸款(kuan)204.97億(yi)元，直接從(cong)中(zhong)受益的農(nong)(nong)戶(hu)超(chao)過230萬(wan)戶(hu)，吸(xi)引50多萬(wan)返(fan)鄉(xiang)(xiang)農(nong)(nong)民工加入規模(mo)化的種養業(ye)。

　　創新金(jin)融產品，給廣大(da)農民(min)(min)工創業(ye)(ye)提供(gong)金(jin)融服務(wu)便利。針對(dui)農民(min)(min)工貸(dai)(dai)(dai)(dai)款(kuan)(kuan)抵(di)押(ya)難問題，推出(chu)了林權(quan)(quan)抵(di)押(ya)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)、動產抵(di)押(ya)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)、土地(di)(di)承包經營(ying)權(quan)(quan)質押(ya)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)等信貸(dai)(dai)(dai)(dai)品種，有效滿足了農村(cun)多元化的金(jin)融服務(wu)需(xu)求(qiu)。同時，根據(ju)農村(cun)經濟發(fa)展需(xu)要，2013年(nian)(nian)在隆安、南寧市(shi)區(qu)、武鳴三(san)縣(xian)推出(chu)了“金(jin)香蕉(jiao)”助業(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)，在百色市(shi)推廣田(tian)七貸(dai)(dai)(dai)(dai)款(kuan)(kuan)，在龍州、憑(ping)祥、靖(jing)西(xi)等邊境縣(xian)開(kai)(kai)展邊民(min)(min)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)業(ye)(ye)務(wu)等，2013年(nian)(nian)累計發(fa)放“金(jin)香蕉(jiao)”助業(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)1.5億元，田(tian)七貸(dai)(dai)(dai)(dai)款(kuan)(kuan)8100萬元。加強與有關部(bu)門合作，與地(di)(di)方組(zu)織部(bu)門、地(di)(di)方團委、婦聯等部(bu)門合作推出(chu)黨員信貸(dai)(dai)(dai)(dai)、青年(nian)(nian)創業(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)、婦女創業(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)、扶貧開(kai)(kai)發(fa)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)、庫區(qu)移民(min)(min)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)等，支持農民(min)(min)發(fa)展生產、增收致富。

　　創新服(fu)(fu)(fu)務手段(duan)，提(ti)(ti)高(gao)(gao)服(fu)(fu)(fu)務效率。實(shi)施“陽光信(xin)貸(dai)(dai)(dai)”工(gong)程(cheng)，積極(ji)推行貸(dai)(dai)(dai)款(kuan)“三公開”制度，懸掛服(fu)(fu)(fu)務標(biao)牌，公開貸(dai)(dai)(dai)款(kuan)條件、程(cheng)序以及包片(pian)信(xin)貸(dai)(dai)(dai)員(yuan)聯(lian)(lian)系卡，提(ti)(ti)高(gao)(gao)農(nong)(nong)(nong)民(min)工(gong)貸(dai)(dai)(dai)款(kuan)透明度。同時，以“信(xin)祥卡”、“貸(dai)(dai)(dai)款(kuan)證(zheng)”為(wei)載體，積極(ji)推廣“一次授(shou)信(xin)、隨(sui)用隨(sui)貸(dai)(dai)(dai)、余額(e)控制、周轉使用”的農(nong)(nong)(nong)戶(hu)(hu)(hu)循環(huan)貸(dai)(dai)(dai)款(kuan)，簡化貸(dai)(dai)(dai)款(kuan)手續，有效提(ti)(ti)高(gao)(gao)農(nong)(nong)(nong)戶(hu)(hu)(hu)貸(dai)(dai)(dai)款(kuan)流程(cheng)和辦貸(dai)(dai)(dai)效率。發揚“挎(kua)包銀行”的優良傳統(tong)，主(zhu)動把金(jin)融(rong)(rong)(rong)知識、信(xin)息和產(chan)品帶(dai)到農(nong)(nong)(nong)戶(hu)(hu)(hu)家中，為(wei)農(nong)(nong)(nong)民(min)工(gong)提(ti)(ti)供(gong)貼身的信(xin)貸(dai)(dai)(dai)及各項金(jin)融(rong)(rong)(rong)服(fu)(fu)(fu)務工(gong)作。大力推行農(nong)(nong)(nong)村金(jin)融(rong)(rong)(rong)聯(lian)(lian)絡(luo)員(yuan)制度，加強金(jin)融(rong)(rong)(rong)知識宣介和協(xie)助工(gong)作，把農(nong)(nong)(nong)信(xin)社的服(fu)(fu)(fu)務帶(dai)到千家萬戶(hu)(hu)(hu)。

　　加強農村地區支付體(ti)系(xi)建設(she)，有(you)效暢通(tong)(tong)(tong)支付結(jie)算服(fu)(fu)(fu)務渠道。開辦農民(min)工銀(yin)行(xing)(xing)卡特(te)色服(fu)(fu)(fu)務，解決農民(min)工跨地區、跨銀(yin)行(xing)(xing)取(qu)款問題(ti)，既方便(bian)、快(kuai)捷又(you)安全(quan)。推廣(guang)電話銀(yin)行(xing)(xing)、手(shou)機銀(yin)行(xing)(xing)、網(wang)上銀(yin)行(xing)(xing)以及POS為載體(ti)，集消費(fei)收(shou)費(fei)、轉賬(zhang)匯款、余額查詢(xun)、代(dai)理取(qu)款等功(gong)能于(yu)一身(shen)的(de)(de)“桂盛通(tong)(tong)(tong)”業務。截至2013年(nian)末，在廣(guang)西13682個具(ju)備(bei)安裝條件的(de)(de)行(xing)(xing)政村設(she)立便(bian)民(min)服(fu)(fu)(fu)務點(dian)14568個，布(bu)放具(ju)有(you)賬(zhang)戶查詢(xun)、現(xian)金(jin)存取(qu)、轉賬(zhang)匯款等業務功(gong)能的(de)(de)桂盛通(tong)(tong)(tong)自(zi)助結(jie)算終(zhong)端18953臺(tai)，打造了“足不出村享(xiang)受金(jin)融服(fu)(fu)(fu)務”的(de)(de)惠民(min)平臺(tai)，使農民(min)工及其家庭享(xiang)受到高效便(bian)利的(de)(de)現(xian)代(dai)金(jin)融服(fu)(fu)(fu)務。