文章(zhang)來(lai)源：江蘇省(sheng)國資委 發布時間：2020-03-29
為推動(dong)鄉村振(zhen)興，實(shi)現農(nong)(nong)業農(nong)(nong)村持續良好發(fa)(fa)展，江(jiang)蘇(su)省農(nong)(nong)村信用(yong)社(she)聯合社(she)（簡稱：江(jiang)蘇(su)省聯社(she)）引導全省農(nong)(nong)商行(xing)(xing)堅守“三(san)農(nong)(nong)”市(shi)場定位，完善(shan)農(nong)(nong)村地區基礎金(jin)融(rong)服(fu)務，改進重點領域金(jin)融(rong)服(fu)務，不斷提(ti)高普惠金(jin)融(rong)服(fu)務的(de)覆(fu)蓋率、可得性(xing)和滿意(yi)度。至(zhi)2018年末(mo)，江(jiang)蘇(su)省農(nong)(nong)商行(xing)(xing)涉(she)(she)農(nong)(nong)貸(dai)款(kuan)(kuan)(kuan)余額6993.1億元(yuan)，比(bi)年初增(zeng)加622.2億元(yuan)，增(zeng)幅9.8%。江(jiang)蘇(su)省農(nong)(nong)商行(xing)(xing)用(yong)占(zhan)(zhan)全省同(tong)業14.6%的(de)存款(kuan)(kuan)(kuan)份額，發(fa)(fa)放了占(zhan)(zhan)全省21.6%的(de)涉(she)(she)農(nong)(nong)貸(dai)款(kuan)(kuan)(kuan)、49.2%的(de)農(nong)(nong)戶貸(dai)款(kuan)(kuan)(kuan)、100%的(de)扶貧貸(dai)款(kuan)(kuan)(kuan)，有(you)效發(fa)(fa)揮(hui)了支農(nong)(nong)主(zhu)力軍作用(yong)。
強化行業規劃引領，讓信貸服務向農村延伸
江蘇省(sheng)聯社研究(jiu)制(zhi)定全系(xi)統三(san)(san)年(nian)發展戰略規劃(hua)，指導(dao)農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)行把(ba)握好(hao)服務(wu)(wu)(wu)“三(san)(san)農(nong)(nong)(nong)(nong)(nong)”定位與(yu)方向(xiang)，進一步明晰市場戰略和工作重點，引導(dao)農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)行全力服務(wu)(wu)(wu)農(nong)(nong)(nong)(nong)(nong)業(ye)供給側改革(ge)，持續加大(da)涉農(nong)(nong)(nong)(nong)(nong)新業(ye)態新動(dong)(dong)能信(xin)(xin)貸(dai)投(tou)放，將授(shou)(shou)信(xin)(xin)重點逐(zhu)步向(xiang)農(nong)(nong)(nong)(nong)(nong)村(cun)新型經營主體(ti)、小(xiao)微(wei)企業(ye)延(yan)伸，積(ji)極(ji)打(da)造支(zhi)農(nong)(nong)(nong)(nong)(nong)支(zhi)小(xiao)“綠色通道”。督(du)促江蘇農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)行圍繞(rao)農(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)建檔(dang)100%的(de)(de)目(mu)標，扎實推進走訪(fang)建檔(dang)工作，提(ti)質升(sheng)級(ji)“陽光(guang)信(xin)(xin)貸(dai)”平臺，充(chong)(chong)分利用(yong)(yong)預(yu)評(ping)級(ji)、預(yu)授(shou)(shou)信(xin)(xin)等功能，提(ti)高(gao)農(nong)(nong)(nong)(nong)(nong)村(cun)客(ke)戶(hu)(hu)授(shou)(shou)信(xin)(xin)效率(lv)，增強普惠(hui)金(jin)融(rong)服務(wu)(wu)(wu)供給，努力解決與(yu)農(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)信(xin)(xin)息(xi)不對(dui)稱難題。同時，連(lian)續多年(nian)在江蘇農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)行開展服務(wu)(wu)(wu)“三(san)(san)農(nong)(nong)(nong)(nong)(nong)”、服務(wu)(wu)(wu)小(xiao)微(wei)的(de)(de)勞動(dong)(dong)競賽。在對(dui)農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)行的(de)(de)考(kao)核中大(da)幅提(ti)高(gao)涉農(nong)(nong)(nong)(nong)(nong)貸(dai)款投(tou)放相(xiang)關(guan)指標權重，并(bing)把(ba)“支(zhi)農(nong)(nong)(nong)(nong)(nong)支(zhi)小(xiao)”履職評(ping)價(jia)與(yu)農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)行高(gao)管選人(ren)用(yong)(yong)人(ren)相(xiang)結合(he)，各農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)行也相(xiang)應制(zhi)定了各具特色的(de)(de)服務(wu)(wu)(wu)“三(san)(san)農(nong)(nong)(nong)(nong)(nong)”考(kao)核辦法，從而(er)充(chong)(chong)分激發全系(xi)統服務(wu)(wu)(wu)“三(san)(san)農(nong)(nong)(nong)(nong)(nong)”的(de)(de)積(ji)極(ji)性(xing)。至2018年(nian)末，已(yi)完成農(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)普惠(hui)建檔(dang)1189.3萬(wan)戶(hu)(hu)，通過“陽光(guang)信(xin)(xin)貸(dai)”對(dui)431.8萬(wan)個城鄉居民家庭授(shou)(shou)信(xin)(xin)5020.3億元，其中對(dui)404.9萬(wan)個農(nong)(nong)(nong)(nong)(nong)民家庭授(shou)(shou)信(xin)(xin)3417.3億元。依托圓(yuan)鼎易貸(dai)通卡，大(da)力推廣手機(ji)自(zi)助貸(dai)業(ye)務(wu)(wu)(wu)，打(da)造“線上(shang)申請、自(zi)動(dong)(dong)授(shou)(shou)信(xin)(xin)、余額控(kong)制(zhi)、隨用(yong)(yong)隨貸(dai)”快(kuai)速便(bian)捷的(de)(de)線上(shang)融(rong)資服務(wu)(wu)(wu)體(ti)驗，至年(nian)末已(yi)用(yong)(yong)信(xin)(xin)72.1萬(wan)戶(hu)(hu)、1599.5億元。
專注主業優化配置，讓金融資源更聚焦農業
江(jiang)(jiang)(jiang)蘇(su)省(sheng)(sheng)聯社(she)全力(li)指(zhi)(zhi)導各(ge)農(nong)(nong)(nong)商行(xing)不斷(duan)優(you)化資源(yuan)配置，加大(da)信(xin)貸(dai)(dai)(dai)(dai)支持力(li)度(du)，加大(da)對高(gao)標準農(nong)(nong)(nong)田、高(gao)效(xiao)(xiao)節(jie)水農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)、土(tu)地(di)(di)(di)綜合整治等農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)基礎領(ling)域的(de)(de)服務力(li)度(du)，主(zhu)動(dong)支持設施(shi)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)開(kai)展(zhan)新(xin)(xin)(xin)機(ji)具(ju)、新(xin)(xin)(xin)技術推(tui)廣應用，找準信(xin)貸(dai)(dai)(dai)(dai)支持規(gui)模(mo)化、特色(se)化、優(you)勢(shi)化農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)的(de)(de)切入(ru)點(dian)。當(dang)年(nian)(nian)累(lei)計投(tou)放(fang)現(xian)代農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)95.7億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)，其中發放(fang)規(gui)模(mo)糧食(shi)業(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)32.5億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)，休閑農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)9.1億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)，觀光農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)6.5億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)，開(kai)放(fang)型(xing)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)0.7億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)；當(dang)年(nian)(nian)累(lei)計投(tou)放(fang)各(ge)類新(xin)(xin)(xin)型(xing)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)經(jing)營主(zhu)體(ti)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)320.2億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)，其中發放(fang)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)龍頭企業(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)176.0億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)，發放(fang)農(nong)(nong)(nong)村(cun)經(jing)營大(da)戶貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)89.4億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)，發放(fang)家庭農(nong)(nong)(nong)場(chang)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)24.7億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)，農(nong)(nong)(nong)民合作(zuo)社(she)30.1億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)。指(zhi)(zhi)導和督促相關(guan)農(nong)(nong)(nong)商行(xing)更(geng)(geng)加熟練、更(geng)(geng)加精準地(di)(di)(di)抓好扶(fu)(fu)貧小額(e)(e)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)有(you)序投(tou)放(fang)和規(gui)范管理，至2018年(nian)(nian)末，已對江(jiang)(jiang)(jiang)蘇(su)省(sheng)(sheng)新(xin)(xin)(xin)一輪建檔立(li)卡貧困農(nong)(nong)(nong)戶累(lei)計發放(fang)扶(fu)(fu)貧貼息(xi)小額(e)(e)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)22.5億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)，惠及8.6萬個貧困農(nong)(nong)(nong)戶。有(you)效(xiao)(xiao)盤活(huo)農(nong)(nong)(nong)村(cun)土(tu)地(di)(di)(di)、房產資源(yuan)，開(kai)展(zhan)“兩權(quan)”抵押貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)試(shi)點(dian)，年(nian)(nian)末江(jiang)(jiang)(jiang)蘇(su)12家試(shi)點(dian)農(nong)(nong)(nong)商行(xing)“兩權(quan)”抵押貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)余(yu)(yu)(yu)額(e)(e)28.8億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)、貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)戶數8019戶，比年(nian)(nian)初分別增(zeng)加12.7億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)、2941戶，貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)余(yu)(yu)(yu)額(e)(e)增(zeng)長78%，高(gao)于各(ge)項貸(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)增(zeng)幅63.4個百分點(dian)。深(shen)入(ru)探索(suo)創新(xin)(xin)(xin)涉農(nong)(nong)(nong)擔(dan)保，積極(ji)推(tui)進與江(jiang)(jiang)(jiang)蘇(su)省(sheng)(sheng)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)信(xin)貸(dai)(dai)(dai)(dai)擔(dan)保公司的(de)(de)戰略合作(zuo)，年(nian)(nian)末，在保余(yu)(yu)(yu)額(e)(e)13.8億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)，占(zhan)江(jiang)(jiang)(jiang)蘇(su)省(sheng)(sheng)各(ge)金融機(ji)構合作(zuo)在保總額(e)(e)的(de)(de)41.3%，位列江(jiang)(jiang)(jiang)蘇(su)省(sheng)(sheng)同業(ye)(ye)(ye)(ye)(ye)第一。
完善網絡渠道建設，讓普惠金融向農民靠近
江(jiang)蘇(su)(su)省(sheng)聯社指導和督促各家(jia)(jia)農(nong)(nong)商(shang)(shang)(shang)行把完善普(pu)(pu)惠金(jin)(jin)(jin)融(rong)(rong)(rong)服(fu)務(wu)(wu)(wu)(wu)網(wang)(wang)絡和渠道作為發(fa)(fa)展普(pu)(pu)惠金(jin)(jin)(jin)融(rong)(rong)(rong)、精耕細作農(nong)(nong)村(cun)市(shi)場(chang)的(de)基礎優(you)先工作來抓，著力在提高網(wang)(wang)點(dian)(dian)覆(fu)蓋(gai)面(mian)、優(you)化(hua)網(wang)(wang)點(dian)(dian)布局(ju)、強(qiang)化(hua)網(wang)(wang)點(dian)(dian)功能(neng)配套(tao)、提升(sheng)網(wang)(wang)點(dian)(dian)服(fu)務(wu)(wu)(wu)(wu)水平(ping)等(deng)方面(mian)狠(hen)下功夫，加(jia)快離(li)行式自助銀行、離(li)行式ATM機的(de)布點(dian)(dian)建設(she)進度，為客(ke)戶(hu)提供(gong)高效(xiao)快捷(jie)、智能(neng)化(hua)服(fu)務(wu)(wu)(wu)(wu)。目前(qian)，江(jiang)蘇(su)(su)省(sheng)62家(jia)(jia)農(nong)(nong)商(shang)(shang)(shang)行3183個物理網(wang)(wang)點(dian)(dian)覆(fu)蓋(gai)了(le)(le)(le)全(quan)部縣域與(yu)鄉鎮，代(dai)理農(nong)(nong)業、民(min)政(zheng)、衛生、社會(hui)保(bao)(bao)障(zhang)、計生、教(jiao)育、村(cun)級、保(bao)(bao)險等(deng)方面(mian)130項財政(zheng)補(bu)貼的(de)發(fa)(fa)放工作，全(quan)年(nian)累計代(dai)發(fa)(fa)涉農(nong)(nong)補(bu)貼金(jin)(jin)(jin)額(e)199.44億元，累計代(dai)收(shou)新(xin)農(nong)(nong)合保(bao)(bao)費(fei)(fei)3.07億元，代(dai)發(fa)(fa)9.12億元，惠及(ji)江(jiang)蘇(su)(su)省(sheng)所(suo)(suo)有(you)農(nong)(nong)戶(hu)。優(you)化(hua)調整“村(cun)村(cun)通”特(te)約商(shang)(shang)(shang)戶(hu)發(fa)(fa)展布局(ju)，1.99萬(wan)特(te)約商(shang)(shang)(shang)戶(hu)覆(fu)蓋(gai)了(le)(le)(le)江(jiang)蘇(su)(su)省(sheng)所(suo)(suo)有(you)行政(zheng)村(cun)，有(you)效(xiao)滿足了(le)(le)(le)農(nong)(nong)村(cun)客(ke)戶(hu)日(ri)常金(jin)(jin)(jin)融(rong)(rong)(rong)服(fu)務(wu)(wu)(wu)(wu)需求(qiu)。目前(qian)，“村(cun)村(cun)通”平(ping)臺除提供(gong)查詢、取款、消費(fei)(fei)、轉賬等(deng)基礎金(jin)(jin)(jin)融(rong)(rong)(rong)服(fu)務(wu)(wu)(wu)(wu)功能(neng)外，還疊加(jia)了(le)(le)(le)一系(xi)列關系(xi)民(min)生的(de)特(te)色(se)業務(wu)(wu)(wu)(wu)功能(neng)：51家(jia)(jia)農(nong)(nong)商(shang)(shang)(shang)行推出(chu)了(le)(le)(le)水費(fei)(fei)繳(jiao)(jiao)費(fei)(fei)業務(wu)(wu)(wu)(wu)；16家(jia)(jia)農(nong)(nong)商(shang)(shang)(shang)行推出(chu)了(le)(le)(le)燃氣費(fei)(fei)繳(jiao)(jiao)費(fei)(fei)業務(wu)(wu)(wu)(wu)；28家(jia)(jia)農(nong)(nong)商(shang)(shang)(shang)行推出(chu)了(le)(le)(le)新(xin)農(nong)(nong)保(bao)(bao)繳(jiao)(jiao)費(fei)(fei)業務(wu)(wu)(wu)(wu)；33家(jia)(jia)農(nong)(nong)商(shang)(shang)(shang)行推出(chu)了(le)(le)(le)有(you)線電視(shi)繳(jiao)(jiao)費(fei)(fei)業務(wu)(wu)(wu)(wu)；54家(jia)(jia)農(nong)(nong)商(shang)(shang)(shang)行推出(chu)了(le)(le)(le)電費(fei)(fei)、電信話費(fei)(fei)、移(yi)動(dong)話費(fei)(fei)繳(jiao)(jiao)費(fei)(fei)業務(wu)(wu)(wu)(wu)。“村(cun)村(cun)通”平(ping)臺全(quan)年(nian)累計辦(ban)理交易(yi)筆數2254.55萬(wan)筆、金(jin)(jin)(jin)額(e)261.02億元。
持續推進產品創新，讓金融服務更具質感
江(jiang)(jiang)蘇省(sheng)聯社(she)加強(qiang)科技(ji)(ji)創新整體規(gui)劃和(he)(he)頂層(ceng)設(she)計(ji)，重(zhong)點加強(qiang)互(hu)聯網+、大數據應(ying)用、智慧銀行(xing)建設(she)等(deng)(deng)，著力支(zhi)持農商行(xing)在業務(wu)、服(fu)務(wu)、產品及技(ji)(ji)術等(deng)(deng)方面(mian)的移(yi)(yi)動互(hu)聯網化(hua)升級(ji)(ji)，以(yi)(yi)移(yi)(yi)動端(duan)為載體，推(tui)進線(xian)下業務(wu)線(xian)上(shang)遷移(yi)(yi)，借(jie)助科技(ji)(ji)手(shou)段推(tui)進便民惠(hui)民服(fu)務(wu)，逐步將各(ge)類(lei)生活(huo)場(chang)景應(ying)用到手(shou)機銀行(xing)、微信銀行(xing)，豐(feng)富多(duo)元(yuan)(yuan)(yuan)(yuan)化(hua)的移(yi)(yi)動支(zhi)付(fu)場(chang)景，實現(xian)主(zhu)流支(zhi)付(fu)渠(qu)道全(quan)(quan)覆蓋、主(zhu)要業務(wu)場(chang)景全(quan)(quan)覆蓋，打造(zao)立體流暢的移(yi)(yi)動金融(rong)服(fu)務(wu)體驗，至年(nian)末，累計(ji)開通(tong)物業費(fei)、學費(fei)等(deng)(deng)19類(lei)繳費(fei)，簽約移(yi)(yi)動支(zhi)付(fu)客戶(hu)2259.74萬(wan)戶(hu)，較年(nian)初增長(chang)57%。督(du)促江(jiang)(jiang)蘇省(sheng)農商行(xing)配(pei)合(he)做好社(she)保(bao)卡發(fa)放和(he)(he)激(ji)活(huo)工作，2018年(nian)，合(he)作發(fa)行(xing)社(she)會保(bao)障卡3549.77萬(wan)張(zhang)，占江(jiang)(jiang)蘇省(sheng)發(fa)卡總量的一半以(yi)(yi)上(shang)。主(zhu)動對接政(zheng)府需求，繼(ji)續全(quan)(quan)力代(dai)(dai)理(li)好城(cheng)(cheng)鎮職工養老保(bao)險(xian)、新型城(cheng)(cheng)鄉(xiang)(xiang)居(ju)民醫療保(bao)險(xian)，全(quan)(quan)年(nian)累計(ji)代(dai)(dai)收城(cheng)(cheng)鄉(xiang)(xiang)居(ju)民新型養老保(bao)險(xian)費(fei)43.21億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)，代(dai)(dai)發(fa)87.85億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)；累計(ji)代(dai)(dai)收城(cheng)(cheng)鎮職工養老保(bao)險(xian)費(fei)72.41億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)，代(dai)(dai)發(fa)141.77億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)。目前江(jiang)(jiang)蘇農商行(xing)代(dai)(dai)理(li)城(cheng)(cheng)鄉(xiang)(xiang)居(ju)保(bao)和(he)(he)養老份(fen)額占全(quan)(quan)省(sheng)60%以(yi)(yi)上(shang)。引導農商行(xing)積(ji)極(ji)融(rong)入(ru)鄉(xiang)(xiang)村社(she)會治理(li)，持續推(tui)動江(jiang)(jiang)蘇省(sheng)村級(ji)(ji)集體資(zi)金管理(li)服(fu)務(wu)和(he)(he)“三資(zi)”陽光監(jian)管平臺建設(she)，至年(nian)末，江(jiang)(jiang)蘇省(sheng)有19家(jia)農商行(xing)完成系統(tong)上(shang)線(xian)，服(fu)務(wu)管理(li)村級(ji)(ji)賬戶(hu)1798個，歸集監(jian)管資(zi)金33.9億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)。
【責任編輯：王鈺】