文(wen)章來源：寧夏國資委 發布時(shi)間：2016-07-08
按照寧夏自治區黨委、寧夏國資委黨(dang)委的要求(qiu)，黃河(he)銀行(xing)黨(dang)委立(li)(li)足普惠金(jin)融(rong)和服(fu)(fu)(fu)務(wu)三農，提出了健全服(fu)(fu)(fu)務(wu)機構(gou)、強化服(fu)(fu)(fu)務(wu)主體、規范(fan)服(fu)(fu)(fu)務(wu)機制、創(chuang)新(xin)服(fu)(fu)(fu)務(wu)方(fang)式(shi)、建立(li)(li)服(fu)(fu)(fu)務(wu)載體的創(chuang)建要求(qiu)，著(zhu)力推進(jin)重(zhong)點(dian)服(fu)(fu)(fu)務(wu)措施(shi)的落(luo)實。
一(yi)是繼續加大涉農信貸(dai)服務力度。今(jin)年以(yi)來，黃河銀(yin)行(xing)系統以(yi)支(zhi)(zhi)持(chi)(chi)春(chun)(chun)(chun)耕(geng)生產(chan)為重點(dian)，提出(chu)了80億元的(de)(de)投放目(mu)標(biao)，成立了5個督(du)導組，由黃河銀(yin)行(xing)黨委委員親自帶隊(dui)，對全區各機構(gou)春(chun)(chun)(chun)耕(geng)支(zhi)(zhi)農工作進行(xing)督(du)導，與政府、農口(kou)部門對接，深入田間地(di)頭、農戶(hu)(hu)院(yuan)落，傾聽百姓心(xin)聲，協調解決困(kun)難(nan)。堅(jian)持(chi)(chi)讓利(li)于民(min)，降低了農戶(hu)(hu)貸(dai)款(kuan)利(li)率，降幅為歷(li)年來最高，實現(xian)讓利(li)1.85億元。截至4月末，全系統累計(ji)發(fa)放支(zhi)(zhi)持(chi)(chi)春(chun)(chun)(chun)耕(geng)備(bei)耕(geng)貸(dai)款(kuan)105.31億元，完成計(ji)劃(hua)的(de)(de)131.64%，受惠群眾(zhong)248745戶(hu)(hu)，較年初增加37793戶(hu)(hu)，農戶(hu)(hu)貸(dai)款(kuan)覆蓋面較年初提高3.91個百分點(dian)，使信貸(dai)資金(jin)真正成為農民(min)春(chun)(chun)(chun)耕(geng)生產(chan)的(de)(de)“及時雨(yu)”。
二是大(da)力提升農(nong)(nong)(nong)(nong)村便(bian)(bian)(bian)民(min)(min)(min)金融服(fu)務(wu)(wu)點的(de)數量和質量。以“農(nong)(nong)(nong)(nong)村支(zhi)付(fu)(fu)便(bian)(bian)(bian)民(min)(min)(min)惠農(nong)(nong)(nong)(nong)工程(cheng)(cheng)”和“萬(wan)村千鄉市(shi)場工程(cheng)(cheng)”為工作(zuo)(zuo)抓手(shou)，擴大(da)現代化支(zhi)付(fu)(fu)體系(xi)建設(she)成果(guo)在農(nong)(nong)(nong)(nong)村應(ying)用和普及，并著力從業務(wu)(wu)管理(li)、產(chan)品功(gong)能、服(fu)務(wu)(wu)創新、支(zhi)付(fu)(fu)安全等(deng)方(fang)面進(jin)行(xing)(xing)規(gui)范，統(tong)(tong)一助農(nong)(nong)(nong)(nong)取(qu)款服(fu)務(wu)(wu)點VI形象、硬件設(she)備、操作(zuo)(zuo)規(gui)范和服(fu)務(wu)(wu)流(liu)程(cheng)(cheng)。加強宣傳引導，以教(jiao)會農(nong)(nong)(nong)(nong)民(min)(min)(min)使(shi)(shi)用電(dian)子銀(yin)(yin)行(xing)(xing)產(chan)品為核心，使(shi)(shi)網上銀(yin)(yin)行(xing)(xing)、手(shou)機銀(yin)(yin)行(xing)(xing)、電(dian)話銀(yin)(yin)行(xing)(xing)等(deng)電(dian)子銀(yin)(yin)行(xing)(xing)支(zhi)付(fu)(fu)結(jie)算方(fang)式在農(nong)(nong)(nong)(nong)村得到推廣(guang)，使(shi)(shi)農(nong)(nong)(nong)(nong)民(min)(min)(min)辦理(li)支(zhi)付(fu)(fu)結(jie)算業務(wu)(wu)更加安全便(bian)(bian)(bian)捷。截至2014年末，本系(xi)統(tong)(tong)已建設(she)2630個(ge)“銀(yin)(yin)行(xing)(xing)卡助農(nong)(nong)(nong)(nong)取(qu)款服(fu)務(wu)(wu)點”，覆(fu)蓋 2119個(ge)行(xing)(xing)政村，累計辦理(li)取(qu)款業務(wu)(wu)4.94萬(wan)筆、金額5375.30萬(wan)元(yuan)。除有金融網點服(fu)務(wu)(wu)和已整村移民(min)(min)(min)搬遷(qian)的(de)行(xing)(xing)政村，實現了全區村級基礎金融服(fu)務(wu)(wu)全覆(fu)蓋。
三(san)是堅(jian)持(chi)履行社會(hui)責任。提出(chu)了建立“本系統(tong)出(chu)資(zi)、政府部門配資(zi)、財(cai)政貼息(xi)”的(de)涉(she)農(nong)(nong)扶貧(pin)助(zhu)(zhu)學基金的(de)目(mu)標。今年與(yu)寧夏自治(zhi)區團委(wei)聯(lian)合(he)實(shi)施了“大(da)學生返鄉創(chuang)業行動”，為(wei)具有創(chuang)業能力的(de)大(da)中(zhong)專畢業生、青年農(nong)(nong)民(min)、城(cheng)市農(nong)(nong)民(min)工(gong)等提供小額創(chuang)業貸(dai)(dai)(dai)款，滿足其(qi)就(jiu)業、創(chuang)業、致富的(de)需求。提出(chu)了“扶貧(pin)助(zhu)(zhu)學貸(dai)(dai)(dai)款項目(mu)”實(shi)施方案，擬(ni)將(jiang)助(zhu)(zhu)學基金與(yu)信貸(dai)(dai)(dai)資(zi)金捆綁，擴大(da)倍數為(wei)農(nong)(nong)村(cun)貧(pin)困家庭(ting)發放(fang)低息(xi)貸(dai)(dai)(dai)款，助(zhu)(zhu)其(qi)實(shi)現脫貧(pin)致富，保障子女就(jiu)學。繼續開展定點扶貧(pin)、“黃河銀(yin)行”高中(zhong)班、為(wei)農(nong)(nong)村(cun)小學援建夢(meng)想中(zhong)心教室(shi)等助(zhu)(zhu)學工(gong)作，受到了社會(hui)贊譽。