文章來源：重慶國資委 發布(bu)時間：2017-10-24
重(zhong)慶(qing)興農(nong)(nong)(nong)擔保集團有(you)限公(gong)司，是重(zhong)慶(qing)市(shi)(shi)委、市(shi)(shi)政府為統籌城鄉發展、深化農(nong)(nong)(nong)村(cun)金融(rong)改革，通(tong)過擔保的介(jie)入(ru)，盤活農(nong)(nong)(nong)村(cun)沉睡資(zi)(zi)源，撬動(dong)金融(rong)資(zi)(zi)源不斷流向(xiang)農(nong)(nong)(nong)村(cun)地區，緩解(jie)(jie)“三(san)農(nong)(nong)(nong)”融(rong)資(zi)(zi)難(nan)、融(rong)資(zi)(zi)貴(gui)的問題，進(jin)而促進(jin)農(nong)(nong)(nong)民增收(shou)致富(fu)而成立(li)的公(gong)司。公(gong)司組建5年來，時刻牢記著姓“農(nong)(nong)(nong)”使命，抵擋住市(shi)(shi)場誘(you)惑，履行(xing)社會責(ze)任，全力解(jie)(jie)決“三(san)農(nong)(nong)(nong)”融(rong)資(zi)(zi)難(nan)、融(rong)資(zi)(zi)貴(gui)問題并取得積極成效。
截至(zhi)今(jin)年9月底，集團累(lei)計支持“三農(nong)”融資(zi)(zi)400億元，有(you)效盤(pan)活農(nong)村“沉睡”資(zi)(zi)源(yuan)180多萬畝(mu)。去年至(zhi)今(jin)累(lei)計幫扶貧(pin)(pin)(pin)困(kun)區縣(xian)貧(pin)(pin)(pin)困(kun)開(kai)發(fa)項目(mu)和貧(pin)(pin)(pin)困(kun)主體(ti)融資(zi)(zi)45.5億元，完成2015-2017年扶貧(pin)(pin)(pin)融資(zi)(zi)目(mu)標(biao)的91%，在酉陽、彭水(shui)、巫溪(xi)、城口等(deng)幾個重點支持貧(pin)(pin)(pin)困(kun)縣(xian)打造了(le)8個典(dian)型(xing)幫扶示范點。
一(yi)、建立(li)(li)機制，金融扶(fu)(fu)(fu)貧基礎不(bu)斷完善。一(yi)是(shi)(shi)成立(li)(li)了農(nong)村(cun)金融研(yan)究所和(he)專司(si)(si)“三(san)農(nong)”的(de)(de)業(ye)(ye)(ye)務部門，做(zuo)到產研(yan)結合(he)，引領農(nong)業(ye)(ye)(ye)信貸擔保和(he)農(nong)村(cun)產權抵押融資事業(ye)(ye)(ye)發展(zhan)。二是(shi)(shi)加強(qiang)支(zhi)(zhi)農(nong)業(ye)(ye)(ye)務考(kao)核，明(ming)確(que)支(zhi)(zhi)農(nong)扶(fu)(fu)(fu)貧業(ye)(ye)(ye)務發展(zhan)質量指標(biao)、風控指標(biao)、管(guan)理指標(biao)在年度考(kao)核中(zhong)不(bu)低于(yu)70%。三(san)是(shi)(shi)撥(bo)付專款建立(li)(li)“三(san)農(nong)”和(he)扶(fu)(fu)(fu)貧客戶(hu)(hu)的(de)(de)信息資料庫。四是(shi)(shi)為(wei)引導(dao)客戶(hu)(hu)經(jing)(jing)理多(duo)開(kai)發“三(san)農(nong)”和(he)扶(fu)(fu)(fu)貧項(xiang)目(mu)，在差旅(lv)費上予(yu)以(yi)政策傾(qing)斜。五是(shi)(shi)凡按規(gui)范操(cao)作的(de)(de)支(zhi)(zhi)農(nong)扶(fu)(fu)(fu)貧項(xiang)目(mu)，集團公司(si)(si)與區(qu)縣公司(si)(si)對半分擔風險(xian)，以(yi)鼓勵區(qu)縣公司(si)(si)更(geng)多(duo)地開(kai)發支(zhi)(zhi)農(nong)扶(fu)(fu)(fu)貧項(xiang)目(mu)。六是(shi)(shi)明(ming)確(que)集團公司(si)(si)人(ren)才提拔、培養需(xu)下派到扶(fu)(fu)(fu)貧區(qu)縣鍛煉一(yi)年，目(mu)前已經(jing)(jing)在秀山(shan)、酉陽、彭水、忠縣、武隆(long)、奉節等區(qu)縣下派了業(ye)(ye)(ye)務骨干。
二(er)、創新產品，金(jin)融扶貧(pin)(pin)(pin)載(zai)體不斷豐富。按照“一(yi)區(qu)域一(yi)產品”、“一(yi)農(nong)(nong)戶(hu)(hu)一(yi)方案”的思路，選取大(da)(da)足為(wei)試點區(qu)縣，建立貧(pin)(pin)(pin)困(kun)地(di)區(qu)和(he)農(nong)(nong)戶(hu)(hu)名冊、扶持臺賬和(he)扶貧(pin)(pin)(pin)擔(dan)保(bao)(bao)項目(mu)庫，開發(fa)(fa)(fa)推(tui)廣“農(nong)(nong)業(ye)產業(ye)鏈(lian)”“農(nong)(nong)戶(hu)(hu)聯保(bao)(bao)”“信(xin)用(yong)擔(dan)保(bao)(bao)”等(deng)擔(dan)保(bao)(bao)模(mo)式和(he)產品，最(zui)大(da)(da)限(xian)度(du)滿足貧(pin)(pin)(pin)困(kun)地(di)區(qu)、貧(pin)(pin)(pin)困(kun)農(nong)(nong)戶(hu)(hu)融資(zi)需求。探索(suo)推(tui)廣應(ying)用(yong)微貸(dai)(dai)擔(dan)保(bao)(bao)技術，開發(fa)(fa)(fa)自助循(xun)環(huan)流動資(zi)金(jin)貸(dai)(dai)款擔(dan)保(bao)(bao)品種，推(tui)廣農(nong)(nong)業(ye)集(ji)群(qun)、批發(fa)(fa)(fa)擔(dan)保(bao)(bao)等(deng)農(nong)(nong)業(ye)產業(ye)鏈(lian)金(jin)融服(fu)務模(mo)式，積極開展(zhan)“公(gong)司(si)(si)+農(nong)(nong)戶(hu)(hu)”“公(gong)司(si)(si)+農(nong)(nong)民合作社(she)+農(nong)(nong)戶(hu)(hu)”等(deng)促進(jin)農(nong)(nong)業(ye)產業(ye)化經(jing)營的信(xin)貸(dai)(dai)擔(dan)保(bao)(bao)模(mo)式。目(mu)前，成功開發(fa)(fa)(fa)了城(cheng)口縣東安鄉發(fa)(fa)(fa)展(zhan)“鄉村旅游”農(nong)(nong)戶(hu)(hu)小額貸(dai)(dai)款擔(dan)保(bao)(bao)項目(mu)，開縣大(da)(da)進(jin)鄉個體經(jing)營戶(hu)(hu)及(ji)農(nong)(nong)業(ye)專業(ye)合作社(she)小額貸(dai)(dai)款擔(dan)保(bao)(bao)項目(mu)等(deng)。尤其是石(shi)柱興農(nong)(nong)擔(dan)保(bao)(bao)公(gong)司(si)(si)創新實施了“聚(ju)寶(bao)盆”精(jing)準扶貧(pin)(pin)(pin)計劃，對貧(pin)(pin)(pin)困(kun)戶(hu)(hu)由“補(bu)血(xue)(xue)”到“造(zao)血(xue)(xue)”，幫助貧(pin)(pin)(pin)困(kun)戶(hu)(hu)實現可持續脫貧(pin)(pin)(pin)，截至9月底，“聚(ju)寶(bao)盆”計劃擔(dan)保(bao)(bao)扶貧(pin)(pin)(pin)款798.57萬(wan)元，涉及(ji)15個貧(pin)(pin)(pin)困(kun)村近500個貧(pin)(pin)(pin)困(kun)戶(hu)(hu)。
三(san)、專門通道(dao)，金(jin)融(rong)(rong)扶(fu)貧質量不斷提(ti)升。一是(shi)壓縮支農(nong)扶(fu)貧項(xiang)(xiang)目(mu)(mu)辦(ban)(ban)理(li)時間，限時辦(ban)(ban)結。對(dui)(dui)各子(zi)公司(si)(si)、區縣公司(si)(si)上報的(de)(de)扶(fu)貧項(xiang)(xiang)目(mu)(mu)，集團公司(si)(si)設立專門通道(dao)、召開專場(chang)評審會、制定專門流程(cheng)，提(ti)高(gao)支農(nong)扶(fu)貧項(xiang)(xiang)目(mu)(mu)辦(ban)(ban)理(li)效(xiao)率。如(ru)石柱縣楓(feng)木項(xiang)(xiang)目(mu)(mu)，從上報到(dao)辦(ban)(ban)結僅(jin)用三(san)天時間。二是(shi)集團公司(si)(si)每年都要組織客(ke)戶(hu)(hu)回(hui)訪及(ji)(ji)客(ke)戶(hu)(hu)滿意度(du)調查，對(dui)(dui)客(ke)戶(hu)(hu)提(ti)出的(de)(de)合理(li)要求及(ji)(ji)建議不斷整改(gai)，如(ru)對(dui)(dui)中小(xiao)微(wei)客(ke)戶(hu)(hu)采取(qu)表單式(shi)的(de)(de)服(fu)務(wu)，簡化(hua)了流程(cheng)、簡便了操作。三(san)是(shi)針對(dui)(dui)每一位客(ke)戶(hu)(hu)，進行綜合金(jin)融(rong)(rong)產(chan)品設計，不僅(jin)僅(jin)局(ju)限于(yu)融(rong)(rong)資(zi)擔保(bao)，同時包括做金(jin)融(rong)(rong)理(li)財(cai)、資(zi)產(chan)管(guan)理(li)、股權基(ji)金(jin)、咨詢及(ji)(ji)資(zi)產(chan)評估等綜合性(xing)金(jin)融(rong)(rong)服(fu)務(wu)。四是(shi)執(zhi)行差別(bie)化(hua)定價制度(du)，對(dui)(dui)涉農(nong)項(xiang)(xiang)目(mu)(mu)執(zhi)行不高(gao)于(yu)2%、扶(fu)貧項(xiang)(xiang)目(mu)(mu)執(zhi)行不高(gao)于(yu)1%、對(dui)(dui)貧困戶(hu)(hu)免(mian)收擔保(bao)費(fei)的(de)(de)低(di)擔保(bao)費(fei)率政策(ce)，遠低(di)于(yu)商業擔保(bao)3%左右的(de)(de)收費(fei)標準，讓“三(san)農(nong)”切切實(shi)(shi)實(shi)(shi)地得到(dao)了實(shi)(shi)惠。同時，充(chong)分(fen)發揮“三(san)農(nong)”與(yu)金(jin)融(rong)(rong)機構(gou)的(de)(de)橋梁紐帶作用，加強與(yu)銀(yin)行等資(zi)金(jin)供(gong)給(gei)方溝通協調，有(you)效(xiao)引導金(jin)融(rong)(rong)機構(gou)降低(di)“三(san)農(nong)”融(rong)(rong)資(zi)成本(ben)1-2個百(bai)分(fen)點。按此計算，僅(jin)酉陽縣就(jiu)節約(yue)融(rong)(rong)資(zi)成本(ben)1000多萬元。
四、運用(yong)(yong)(yong)“組(zu)合(he)拳”，打(da)通(tong)金(jin)(jin)(jin)融(rong)扶(fu)貧(pin)(pin)“最后一(yi)(yi)公(gong)里(li)”。興農(nong)(nong)(nong)(nong)(nong)(nong)擔保(bao)(bao)充分運用(yong)(yong)(yong)“1+26+5”傘形擔保(bao)(bao)體系優勢，縱向延伸(shen)服(fu)務(wu)(wu)觸(chu)角、橫向拓(tuo)展服(fu)務(wu)(wu)功能，綜合(he)運用(yong)(yong)(yong)融(rong)資(zi)(zi)(zi)(zi)(zi)擔保(bao)(bao)、資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)管(guan)理及(ji)無償捐贈“組(zu)合(he)拳”真幫(bang)實扶(fu)。一(yi)(yi)是(shi)(shi)組(zu)建(jian)了(le)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)產(chan)(chan)權價值(zhi)(zhi)評(ping)估機構，率先建(jian)立(li)了(le)“三權”資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)評(ping)估標(biao)(biao)準(zhun)，有效(xiao)(xiao)解決了(le)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)評(ping)估難(nan)、收費高(gao)、效(xiao)(xiao)率低、技術(shu)標(biao)(biao)準(zhun)不(bu)統(tong)一(yi)(yi)、價值(zhi)(zhi)難(nan)以發現和(he)(he)認定等問題(ti)。截(jie)(jie)至(zhi)(zhi)今年9月底，累計涉及(ji)“三權”資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)評(ping)估342億(yi)(yi)(yi)元(yuan)(yuan)(yuan)，其中，流轉地(di)(di)125億(yi)(yi)(yi)元(yuan)(yuan)(yuan)、宅基地(di)(di)64億(yi)(yi)(yi)元(yuan)(yuan)(yuan)、生(sheng)(sheng)物資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)30億(yi)(yi)(yi)元(yuan)(yuan)(yuan)、林(lin)權116.3億(yi)(yi)(yi)元(yuan)(yuan)(yuan)、農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)房屋6.7億(yi)(yi)(yi)元(yuan)(yuan)(yuan)。二是(shi)(shi)搭(da)建(jian)了(le)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)不(bu)良(liang)(liang)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)收儲平臺。為有效(xiao)(xiao)收儲、經營、管(guan)理和(he)(he)處(chu)置農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)不(bu)良(liang)(liang)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)，保(bao)(bao)障(zhang)“三農(nong)(nong)(nong)(nong)(nong)(nong)”的合(he)法權益，確(que)保(bao)(bao)涉農(nong)(nong)(nong)(nong)(nong)(nong)擔保(bao)(bao)項(xiang)目持續經營奠定了(le)堅實的基礎。截(jie)(jie)至(zhi)(zhi)今年9月底，累計收儲不(bu)良(liang)(liang)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)1.8億(yi)(yi)(yi)元(yuan)(yuan)(yuan)。三是(shi)(shi)扎實推進(jin)(jin)易地(di)(di)扶(fu)貧(pin)(pin)搬遷(qian)統(tong)承(cheng)統(tong)貸(dai)和(he)(he)高(gao)標(biao)(biao)準(zhun)農(nong)(nong)(nong)(nong)(nong)(nong)田建(jian)設(she)工作。今年5月，全(quan)市首(shou)個(ge)高(gao)標(biao)(biao)準(zhun)農(nong)(nong)(nong)(nong)(nong)(nong)田建(jian)設(she)融(rong)資(zi)(zi)(zi)(zi)(zi)擔保(bao)(bao)項(xiang)目正式落(luo)地(di)(di)。該(gai)項(xiang)目由興農(nong)(nong)(nong)(nong)(nong)(nong)擔保(bao)(bao)提供(gong)擔保(bao)(bao)，重(zhong)慶銀行提供(gong)960萬貸(dai)款，支(zhi)持雙億(yi)(yi)(yi)農(nong)(nong)(nong)(nong)(nong)(nong)業綜合(he)開(kai)(kai)發公(gong)司連片(pian)打(da)造5000畝高(gao)標(biao)(biao)準(zhun)農(nong)(nong)(nong)(nong)(nong)(nong)田，用(yong)(yong)(yong)于(yu)發展木本油料(liao)基地(di)(di)。截(jie)(jie)至(zhi)(zhi)9月，集(ji)團公(gong)司已(yi)承(cheng)接高(gao)山(shan)生(sheng)(sheng)態扶(fu)貧(pin)(pin)搬遷(qian)融(rong)資(zi)(zi)(zi)(zi)(zi)項(xiang)目資(zi)(zi)(zi)(zi)(zi)本金(jin)(jin)(jin)31.85億(yi)(yi)(yi)元(yuan)(yuan)(yuan)；已(yi)與(yu)(yu)國開(kai)(kai)行、農(nong)(nong)(nong)(nong)(nong)(nong)發行簽訂長期政(zheng)策(ce)性貸(dai)款協(xie)議(yi)并(bing)取得整體授信(xin)87.5億(yi)(yi)(yi)元(yuan)(yuan)(yuan)；已(yi)實際籌集(ji)到位(wei)高(gao)山(shan)生(sheng)(sheng)態扶(fu)貧(pin)(pin)搬遷(qian)資(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)36.28億(yi)(yi)(yi)元(yuan)(yuan)(yuan)；已(yi)與(yu)(yu)13個(ge)區縣政(zheng)府、區縣實施主體簽訂《政(zheng)府購(gou)買服(fu)務(wu)(wu)協(xie)議(yi)》《資(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)使用(yong)(yong)(yong)協(xie)議(yi)》，已(yi)實際向16個(ge)區縣實施主體撥付(fu)到位(wei)搬遷(qian)資(zi)(zi)(zi)(zi)(zi)金(jin)(jin)(jin)35.45億(yi)(yi)(yi)元(yuan)(yuan)(yuan)。四是(shi)(shi)探索支(zhi)持區縣公(gong)司在(zai)重(zhong)點鄉(xiang)鎮(zhen)、街(jie)道建(jian)立(li)服(fu)務(wu)(wu)點，成功開(kai)(kai)發運營了(le)農(nong)(nong)(nong)(nong)(nong)(nong)戶線上(shang)投融(rong)資(zi)(zi)(zi)(zi)(zi)和(he)(he)農(nong)(nong)(nong)(nong)(nong)(nong)產(chan)(chan)品進(jin)(jin)城(cheng)(cheng)、農(nong)(nong)(nong)(nong)(nong)(nong)資(zi)(zi)(zi)(zi)(zi)及(ji)消費品下(xia)鄉(xiang)電子(zi)商務(wu)(wu)系統(tong)，進(jin)(jin)一(yi)(yi)步組(zu)合(he)好、運用(yong)(yong)(yong)好體系資(zi)(zi)(zi)(zi)(zi)源，打(da)通(tong)城(cheng)(cheng)鄉(xiang)金(jin)(jin)(jin)融(rong)服(fu)務(wu)(wu)“最后一(yi)(yi)公(gong)里(li)”，全(quan)面提升農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)金(jin)(jin)(jin)融(rong)服(fu)務(wu)(wu)效(xiao)(xiao)率和(he)(he)質(zhi)量。