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為(wei)貫徹落實(shi)(shi)中(zhong)央農(nong)(nong)村工作會議和(he)中(zhong)央1號文件精神，積極響應省政府(fu)(fu)“金融(rong)(rong)早春(chun)行”活動(dong)，有(you)力有(you)效執(zhi)行襄(xiang)陽市(shi)委(wei)市(shi)政府(fu)(fu)“提升首(shou)位度、打造增(zeng)長極、爭(zheng)當排頭兵(bing)”的號召，服務(wu)支持湖北省襄(xiang)陽市(shi)深化(hua)農(nong)(nong)業供給側改革(ge)，支持“三農(nong)(nong)”經(jing)濟充(chong)分(fen)發展，實(shi)(shi)現(xian)全市(shi)農(nong)(nong)產(chan)(chan)品加(jia)工產(chan)(chan)業產(chan)(chan)值過3000億目標，襄(xiang)陽市(shi)農(nong)(nong)業產(chan)(chan)業化(hua)投資擔保有(you)限公司（以(yi)下簡(jian)稱農(nong)(nong)擔公司）經(jing)充(chong)分(fen)調研，結合實(shi)(shi)際及時(shi)推(tui)出(chu)并實(shi)(shi)施了“融(rong)(rong)資擔保春(chun)雨工程”行動(dong)計(ji)劃，以(yi)助推(tui)金融(rong)(rong)支持農(nong)(nong)業的春(chun)雨澆潤襄(xiang)陽大地。

農(nong)擔(dan)(dan)公(gong)司(si)此(ci)次(ci)“融資(zi)擔(dan)(dan)保春雨工程(cheng)”計劃作為該公(gong)司(si)今年支持和服務襄(xiang)陽(yang)市(shi)(shi)(shi)三農(nong)企(qi)業做大(da)做強，深(shen)化襄(xiang)陽(yang)市(shi)(shi)(shi)農(nong)業供(gong)給(gei)側改革工作的重要措施和手段，有五大(da)特點：一(yi)是(shi)(shi)方(fang)式創新(xin)(xin)。農(nong)擔(dan)(dan)公(gong)司(si)與合(he)作銀行(xing)(xing)(xing)聯(lian)合(he)成立專門團(tuan)隊，實現(xian)“費(fei)率優(you)惠、利(li)(li)息補貼(tie)、聯(lian)合(he)評(ping)審(shen)、批(pi)量辦理(li)、風險分擔(dan)(dan)”，達到政府、銀行(xing)(xing)(xing)、擔(dan)(dan)保公(gong)司(si)、貸(dai)款(kuan)(kuan)企(qi)業一(yi)體化運作，共同盡調(diao)審(shen)批(pi)共同貸(dai)后管理(li)，共贏共進責任明晰。二是(shi)(shi)目標(biao)(biao)明確。新(xin)(xin)增(zeng)擔(dan)(dan)保貸(dai)款(kuan)(kuan)目標(biao)(biao)7—10億(yi)(yi)元(yuan)。其中(zhong)：為100家(jia)農(nong)業產業化龍頭企(qi)業，每戶(hu)提供(gong)信(xin)用(yong)擔(dan)(dan)保不低于500萬元(yuan)，新(xin)(xin)增(zeng)總(zong)授信(xin)5—7億(yi)(yi)元(yuan)；200家(jia)農(nong)業合(he)作社(she)(she)、家(jia)庭(ting)(ting)農(nong)場、種養殖(zhi)大(da)戶(hu)目標(biao)(biao)，每戶(hu)提供(gong)信(xin)用(yong)擔(dan)(dan)保50萬元(yuan)——300萬元(yuan)不等(deng)，新(xin)(xin)增(zeng)總(zong)授信(xin)2—3億(yi)(yi)元(yuan)。三是(shi)(shi)周期較長(chang)。擔(dan)(dan)保公(gong)司(si)和合(he)作銀行(xing)(xing)(xing)實行(xing)(xing)(xing)總(zong)體審(shen)查、一(yi)次(ci)審(shen)批(pi)、三年內(nei)循(xun)環擔(dan)(dan)保，消除客戶(hu)“短貸(dai)長(chang)用(yong)”后顧之(zhi)憂。四是(shi)(shi)條件優(you)惠。原則上(shang)實行(xing)(xing)(xing)信(xin)用(yong)擔(dan)(dan)保；資(zi)金分布使用(yong)；綜合(he)費(fei)率控(kong)制在9%以(yi)內(nei)（銀行(xing)(xing)(xing)貸(dai)款(kuan)(kuan)利(li)(li)息不超(chao)過(guo)6.8%，擔(dan)(dan)保費(fei)不超(chao)過(guo)1.8%）；市(shi)(shi)(shi)財(cai)政給(gei)予一(yi)定的政策貼(tie)息或(huo)補貼(tie)。五是(shi)(shi)組(zu)織(zhi)(zhi)周密。此(ci)次(ci)行(xing)(xing)(xing)動由(you)市(shi)(shi)(shi)農(nong)委組(zu)織(zhi)(zhi)牽頭，各(ge)縣市(shi)(shi)(shi)農(nong)業產業化主管部門專班協調(diao)，推(tui)薦并篩選優(you)質企(qi)業、合(he)作社(she)(she)及家(jia)庭(ting)(ting)農(nong)場入圍(wei)，以(yi)實現(xian)擔(dan)(dan)保公(gong)司(si)領銜兜底；合(he)作銀行(xing)(xing)(xing)提檔(dang)增(zeng)信(xin)；涉農(nong)企(qi)業增(zeng)資(zi)獲益，合(he)力推(tui)進監(jian)督、協調(diao)、檢(jian)查、完善、考核、表彰全過(guo)程(cheng)。

多(duo)(duo)(duo)年來，農擔(dan)公(gong)司作(zuo)(zuo)為國有“農”字頭的(de)專業化政(zheng)(zheng)策性擔(dan)保(bao)公(gong)司，始終致力(li)于圍繞市(shi)政(zheng)(zheng)府經(jing)濟(ji)發展(zhan)思路制定工(gong)(gong)作(zuo)(zuo)規劃，跟進(jin)市(shi)政(zheng)(zheng)府關心(xin)、關注、需要(yao)解決(jue)的(de)項目(mu)開展(zhan)融資擔(dan)保(bao)工(gong)(gong)作(zuo)(zuo)，主動把擔(dan)保(bao)服(fu)務觸角延伸到經(jing)濟(ji)工(gong)(gong)作(zuo)(zuo)的(de)方方面(mian)面(mian)，多(duo)(duo)(duo)次為政(zheng)(zheng)府擔(dan)負為社會解憂解決(jue)了(le)許許多(duo)(duo)(duo)多(duo)(duo)(duo)的(de)應急問(wen)題和棘手(shou)工(gong)(gong)作(zuo)(zuo)達80多(duo)(duo)(duo)件，近10億的(de)特辦融資服(fu)務，充分展(zhan)示了(le)良好的(de)國有擔(dan)保(bao)機構形(xing)象和社會正(zheng)能量標桿。