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為推動(dong)鄉村(cun)振(zhen)興，實現農(nong)(nong)(nong)(nong)(nong)業農(nong)(nong)(nong)(nong)(nong)村(cun)持續良好發展，江蘇(su)省農(nong)(nong)(nong)(nong)(nong)村(cun)信用社(she)(she)聯合社(she)(she)（簡(jian)稱：江蘇(su)省聯社(she)(she)）引(yin)導全(quan)省農(nong)(nong)(nong)(nong)(nong)商行堅(jian)守“三(san)農(nong)(nong)(nong)(nong)(nong)”市場定位，完善(shan)農(nong)(nong)(nong)(nong)(nong)村(cun)地區基礎金融服(fu)務，改進重(zhong)點領域金融服(fu)務，不斷提高普惠金融服(fu)務的(de)覆蓋率、可得性和滿意度。至2018年(nian)末，江蘇(su)省農(nong)(nong)(nong)(nong)(nong)商行涉(she)農(nong)(nong)(nong)(nong)(nong)貸(dai)款(kuan)余額6993.1億元(yuan)，比年(nian)初(chu)增(zeng)加622.2億元(yuan)，增(zeng)幅9.8%。江蘇(su)省農(nong)(nong)(nong)(nong)(nong)商行用占全(quan)省同(tong)業14.6%的(de)存款(kuan)份額，發放(fang)了占全(quan)省21.6%的(de)涉(she)農(nong)(nong)(nong)(nong)(nong)貸(dai)款(kuan)、49.2%的(de)農(nong)(nong)(nong)(nong)(nong)戶貸(dai)款(kuan)、100%的(de)扶貧(pin)貸(dai)款(kuan)，有效(xiao)發揮了支農(nong)(nong)(nong)(nong)(nong)主力軍作用。

強化行業規劃引領，讓信貸服務向農村延伸

江(jiang)蘇省(sheng)聯(lian)社(she)研究制(zhi)(zhi)定(ding)全系(xi)統三(san)年(nian)發展戰略規劃，指(zhi)導農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)把握好服務(wu)(wu)(wu)“三(san)農(nong)(nong)(nong)(nong)(nong)”定(ding)位與(yu)方向(xiang)，進一(yi)步(bu)明晰市場戰略和工(gong)作重點，引(yin)導農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)全力(li)服務(wu)(wu)(wu)農(nong)(nong)(nong)(nong)(nong)業(ye)供(gong)給側(ce)改革，持續加大(da)涉(she)農(nong)(nong)(nong)(nong)(nong)新業(ye)態新動能(neng)信(xin)(xin)(xin)貸投放(fang)，將(jiang)授(shou)信(xin)(xin)(xin)重點逐步(bu)向(xiang)農(nong)(nong)(nong)(nong)(nong)村新型經營(ying)主(zhu)體、小微企業(ye)延伸，積極打造支農(nong)(nong)(nong)(nong)(nong)支小“綠(lv)色通(tong)(tong)道(dao)”。督(du)促江(jiang)蘇農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)圍繞農(nong)(nong)(nong)(nong)(nong)戶建檔100%的(de)目(mu)標(biao)，扎實推進走訪建檔工(gong)作，提質升級(ji)“陽光(guang)信(xin)(xin)(xin)貸”平臺，充(chong)分(fen)利用(yong)預(yu)評級(ji)、預(yu)授(shou)信(xin)(xin)(xin)等功能(neng)，提高(gao)農(nong)(nong)(nong)(nong)(nong)村客戶授(shou)信(xin)(xin)(xin)效率，增強普(pu)惠金融服務(wu)(wu)(wu)供(gong)給，努力(li)解決與(yu)農(nong)(nong)(nong)(nong)(nong)戶信(xin)(xin)(xin)息(xi)不對(dui)(dui)稱難題。同時，連續多年(nian)在江(jiang)蘇農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)開(kai)展服務(wu)(wu)(wu)“三(san)農(nong)(nong)(nong)(nong)(nong)”、服務(wu)(wu)(wu)小微的(de)勞動競賽(sai)。在對(dui)(dui)農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)的(de)考核中大(da)幅(fu)提高(gao)涉(she)農(nong)(nong)(nong)(nong)(nong)貸款投放(fang)相關指(zhi)標(biao)權重，并把“支農(nong)(nong)(nong)(nong)(nong)支小”履職評價與(yu)農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)高(gao)管選人用(yong)人相結(jie)合，各農(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)也相應制(zhi)(zhi)定(ding)了各具特色的(de)服務(wu)(wu)(wu)“三(san)農(nong)(nong)(nong)(nong)(nong)”考核辦法(fa)，從而充(chong)分(fen)激發全系(xi)統服務(wu)(wu)(wu)“三(san)農(nong)(nong)(nong)(nong)(nong)”的(de)積極性。至(zhi)2018年(nian)末，已(yi)(yi)完成農(nong)(nong)(nong)(nong)(nong)戶普(pu)惠建檔1189.3萬(wan)(wan)戶，通(tong)(tong)過“陽光(guang)信(xin)(xin)(xin)貸”對(dui)(dui)431.8萬(wan)(wan)個城鄉居民(min)家(jia)庭授(shou)信(xin)(xin)(xin)5020.3億(yi)元(yuan)，其中對(dui)(dui)404.9萬(wan)(wan)個農(nong)(nong)(nong)(nong)(nong)民(min)家(jia)庭授(shou)信(xin)(xin)(xin)3417.3億(yi)元(yuan)。依托圓鼎易貸通(tong)(tong)卡(ka)，大(da)力(li)推廣手機(ji)自助貸業(ye)務(wu)(wu)(wu)，打造“線上申請、自動授(shou)信(xin)(xin)(xin)、余額控制(zhi)(zhi)、隨用(yong)隨貸”快速便捷的(de)線上融資(zi)服務(wu)(wu)(wu)體驗，至(zhi)年(nian)末已(yi)(yi)用(yong)信(xin)(xin)(xin)72.1萬(wan)(wan)戶、1599.5億(yi)元(yuan)。

專注主業優化配置，讓金融資源更聚焦農業

江(jiang)蘇省(sheng)(sheng)聯社全力(li)指(zhi)導各(ge)農(nong)(nong)(nong)商(shang)行不(bu)斷(duan)優化(hua)資(zi)源(yuan)配置，加(jia)(jia)大(da)信(xin)貸(dai)支(zhi)持力(li)度，加(jia)(jia)大(da)對(dui)(dui)高(gao)標準(zhun)農(nong)(nong)(nong)田、高(gao)效節(jie)水(shui)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)、土地(di)綜(zong)合(he)整(zheng)治等(deng)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)基礎領域(yu)的(de)服務力(li)度，主動支(zhi)持設施農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)開展新(xin)機具(ju)、新(xin)技術(shu)推廣應用，找準(zhun)信(xin)貸(dai)支(zhi)持規模化(hua)、特色化(hua)、優勢(shi)化(hua)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)的(de)切入點(dian)。當年累(lei)計(ji)投(tou)放(fang)(fang)現代農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)95.7億(yi)(yi)(yi)元(yuan)(yuan)(yuan)，其(qi)中(zhong)發放(fang)(fang)規模糧食業(ye)(ye)(ye)(ye)貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)32.5億(yi)(yi)(yi)元(yuan)(yuan)(yuan)，休閑農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)9.1億(yi)(yi)(yi)元(yuan)(yuan)(yuan)，觀光農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)6.5億(yi)(yi)(yi)元(yuan)(yuan)(yuan)，開放(fang)(fang)型農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)0.7億(yi)(yi)(yi)元(yuan)(yuan)(yuan)；當年累(lei)計(ji)投(tou)放(fang)(fang)各(ge)類新(xin)型農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)經營(ying)主體(ti)貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)320.2億(yi)(yi)(yi)元(yuan)(yuan)(yuan)，其(qi)中(zhong)發放(fang)(fang)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)龍(long)頭企業(ye)(ye)(ye)(ye)貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)176.0億(yi)(yi)(yi)元(yuan)(yuan)(yuan)，發放(fang)(fang)農(nong)(nong)(nong)村經營(ying)大(da)戶(hu)貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)89.4億(yi)(yi)(yi)元(yuan)(yuan)(yuan)，發放(fang)(fang)家庭農(nong)(nong)(nong)場貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)24.7億(yi)(yi)(yi)元(yuan)(yuan)(yuan)，農(nong)(nong)(nong)民合(he)作社30.1億(yi)(yi)(yi)元(yuan)(yuan)(yuan)。指(zhi)導和督促相關農(nong)(nong)(nong)商(shang)行更加(jia)(jia)熟(shu)練、更加(jia)(jia)精準(zhun)地(di)抓好扶貧(pin)小(xiao)額貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)有(you)序投(tou)放(fang)(fang)和規范管理，至2018年末，已對(dui)(dui)江(jiang)蘇省(sheng)(sheng)新(xin)一輪建(jian)檔立卡貧(pin)困農(nong)(nong)(nong)戶(hu)累(lei)計(ji)發放(fang)(fang)扶貧(pin)貼息(xi)小(xiao)額貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)22.5億(yi)(yi)(yi)元(yuan)(yuan)(yuan)，惠(hui)及8.6萬個貧(pin)困農(nong)(nong)(nong)戶(hu)。有(you)效盤活農(nong)(nong)(nong)村土地(di)、房產資(zi)源(yuan)，開展“兩權”抵押貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)試點(dian)，年末江(jiang)蘇12家試點(dian)農(nong)(nong)(nong)商(shang)行“兩權”抵押貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)余(yu)額28.8億(yi)(yi)(yi)元(yuan)(yuan)(yuan)、貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)戶(hu)數8019戶(hu)，比年初分別(bie)增(zeng)加(jia)(jia)12.7億(yi)(yi)(yi)元(yuan)(yuan)(yuan)、2941戶(hu)，貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)余(yu)額增(zeng)長78%，高(gao)于各(ge)項(xiang)貸(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)(kuan)增(zeng)幅63.4個百分點(dian)。深入探索創新(xin)涉(she)農(nong)(nong)(nong)擔保(bao)，積極(ji)推進(jin)與江(jiang)蘇省(sheng)(sheng)農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)信(xin)貸(dai)擔保(bao)公司的(de)戰略合(he)作，年末，在(zai)保(bao)余(yu)額13.8億(yi)(yi)(yi)元(yuan)(yuan)(yuan)，占江(jiang)蘇省(sheng)(sheng)各(ge)金融機構合(he)作在(zai)保(bao)總(zong)額的(de)41.3%，位列(lie)江(jiang)蘇省(sheng)(sheng)同(tong)業(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)省(sheng)聯社指導和督促各(ge)家(jia)農(nong)商(shang)(shang)(shang)(shang)行(xing)(xing)把完善普(pu)惠(hui)金融(rong)服(fu)務網(wang)(wang)(wang)絡和渠道(dao)作(zuo)(zuo)(zuo)為發(fa)(fa)(fa)展普(pu)惠(hui)金融(rong)、精(jing)耕細作(zuo)(zuo)(zuo)農(nong)村(cun)(cun)市場的(de)基礎優先工作(zuo)(zuo)(zuo)來抓(zhua)，著力(li)在提(ti)高網(wang)(wang)(wang)點(dian)覆蓋面、優化網(wang)(wang)(wang)點(dian)布(bu)局(ju)、強化網(wang)(wang)(wang)點(dian)功(gong)能(neng)(neng)配套、提(ti)升網(wang)(wang)(wang)點(dian)服(fu)務水平(ping)等(deng)方面狠(hen)下(xia)功(gong)夫，加快(kuai)離行(xing)(xing)式自助(zhu)銀行(xing)(xing)、離行(xing)(xing)式ATM機的(de)布(bu)點(dian)建設(she)進度，為客戶(hu)(hu)提(ti)供高效快(kuai)捷、智能(neng)(neng)化服(fu)務。目(mu)前(qian)，江(jiang)蘇(su)省(sheng)62家(jia)農(nong)商(shang)(shang)(shang)(shang)行(xing)(xing)3183個(ge)物理網(wang)(wang)(wang)點(dian)覆蓋了全(quan)部(bu)縣域(yu)與鄉(xiang)鎮，代理農(nong)業(ye)(ye)(ye)、民政(zheng)、衛生、社會保(bao)障、計生、教(jiao)育、村(cun)(cun)級、保(bao)險等(deng)方面130項財政(zheng)補(bu)(bu)貼(tie)(tie)的(de)發(fa)(fa)(fa)放工作(zuo)(zuo)(zuo)，全(quan)年累計代發(fa)(fa)(fa)涉農(nong)補(bu)(bu)貼(tie)(tie)金額199.44億(yi)元(yuan)，累計代收新(xin)農(nong)合(he)保(bao)費(fei)(fei)3.07億(yi)元(yuan)，代發(fa)(fa)(fa)9.12億(yi)元(yuan)，惠(hui)及江(jiang)蘇(su)省(sheng)所有(you)農(nong)戶(hu)(hu)。優化調整“村(cun)(cun)村(cun)(cun)通”特約商(shang)(shang)(shang)(shang)戶(hu)(hu)發(fa)(fa)(fa)展布(bu)局(ju)，1.99萬(wan)特約商(shang)(shang)(shang)(shang)戶(hu)(hu)覆蓋了江(jiang)蘇(su)省(sheng)所有(you)行(xing)(xing)政(zheng)村(cun)(cun)，有(you)效滿足(zu)了農(nong)村(cun)(cun)客戶(hu)(hu)日常金融(rong)服(fu)務需求。目(mu)前(qian)，“村(cun)(cun)村(cun)(cun)通”平(ping)臺除提(ti)供查詢、取款、消費(fei)(fei)、轉賬等(deng)基礎金融(rong)服(fu)務功(gong)能(neng)(neng)外，還疊加了一(yi)系列關系民生的(de)特色業(ye)(ye)(ye)務功(gong)能(neng)(neng)：51家(jia)農(nong)商(shang)(shang)(shang)(shang)行(xing)(xing)推出了水費(fei)(fei)繳(jiao)費(fei)(fei)業(ye)(ye)(ye)務；16家(jia)農(nong)商(shang)(shang)(shang)(shang)行(xing)(xing)推出了燃氣費(fei)(fei)繳(jiao)費(fei)(fei)業(ye)(ye)(ye)務；28家(jia)農(nong)商(shang)(shang)(shang)(shang)行(xing)(xing)推出了新(xin)農(nong)保(bao)繳(jiao)費(fei)(fei)業(ye)(ye)(ye)務；33家(jia)農(nong)商(shang)(shang)(shang)(shang)行(xing)(xing)推出了有(you)線電視(shi)繳(jiao)費(fei)(fei)業(ye)(ye)(ye)務；54家(jia)農(nong)商(shang)(shang)(shang)(shang)行(xing)(xing)推出了電費(fei)(fei)、電信話費(fei)(fei)、移動話費(fei)(fei)繳(jiao)費(fei)(fei)業(ye)(ye)(ye)務。“村(cun)(cun)村(cun)(cun)通”平(ping)臺全(quan)年累計辦理交易(yi)筆數2254.55萬(wan)筆、金額261.02億(yi)元(yuan)。

持續推進產品創新，讓金融服務更具質感

江(jiang)蘇(su)省(sheng)聯(lian)(lian)社(she)加強(qiang)科技(ji)創新整體(ti)(ti)規劃(hua)和頂層設計(ji)，重點加強(qiang)互聯(lian)(lian)網+、大數據(ju)應用(yong)、智慧銀行(xing)(xing)(xing)建(jian)設等，著力支(zhi)持(chi)(chi)農商(shang)(shang)(shang)(shang)行(xing)(xing)(xing)在業(ye)務(wu)(wu)、服(fu)務(wu)(wu)、產品及技(ji)術等方面的(de)(de)移(yi)(yi)動(dong)(dong)互聯(lian)(lian)網化升級(ji)，以移(yi)(yi)動(dong)(dong)端(duan)為載體(ti)(ti)，推進線(xian)下業(ye)務(wu)(wu)線(xian)上(shang)(shang)遷移(yi)(yi)，借(jie)助科技(ji)手段(duan)推進便民(min)惠(hui)民(min)服(fu)務(wu)(wu)，逐步將(jiang)各類生活場景(jing)應用(yong)到手機銀行(xing)(xing)(xing)、微信銀行(xing)(xing)(xing)，豐富多元(yuan)(yuan)化的(de)(de)移(yi)(yi)動(dong)(dong)支(zhi)付場景(jing)，實現主(zhu)流(liu)支(zhi)付渠道全覆蓋、主(zhu)要業(ye)務(wu)(wu)場景(jing)全覆蓋，打造立體(ti)(ti)流(liu)暢(chang)的(de)(de)移(yi)(yi)動(dong)(dong)金融服(fu)務(wu)(wu)體(ti)(ti)驗，至(zhi)年末，累計(ji)開通物業(ye)費(fei)(fei)、學費(fei)(fei)等19類繳(jiao)費(fei)(fei)，簽(qian)約移(yi)(yi)動(dong)(dong)支(zhi)付客戶(hu)2259.74萬戶(hu)，較年初(chu)增長57%。督促江(jiang)蘇(su)省(sheng)農商(shang)(shang)(shang)(shang)行(xing)(xing)(xing)配合做好(hao)(hao)社(she)保(bao)(bao)卡發放和激活工作，2018年，合作發行(xing)(xing)(xing)社(she)會保(bao)(bao)障卡3549.77萬張，占(zhan)江(jiang)蘇(su)省(sheng)發卡總量的(de)(de)一半以上(shang)(shang)。主(zhu)動(dong)(dong)對(dui)接政府需求(qiu)，繼續全力代(dai)理(li)好(hao)(hao)城(cheng)鎮(zhen)職工養老(lao)保(bao)(bao)險(xian)、新型城(cheng)鄉(xiang)居(ju)民(min)醫療(liao)保(bao)(bao)險(xian)，全年累計(ji)代(dai)收(shou)城(cheng)鄉(xiang)居(ju)民(min)新型養老(lao)保(bao)(bao)險(xian)費(fei)(fei)43.21億(yi)元(yuan)(yuan)，代(dai)發87.85億(yi)元(yuan)(yuan)；累計(ji)代(dai)收(shou)城(cheng)鎮(zhen)職工養老(lao)保(bao)(bao)險(xian)費(fei)(fei)72.41億(yi)元(yuan)(yuan)，代(dai)發141.77億(yi)元(yuan)(yuan)。目前江(jiang)蘇(su)農商(shang)(shang)(shang)(shang)行(xing)(xing)(xing)代(dai)理(li)城(cheng)鄉(xiang)居(ju)保(bao)(bao)和養老(lao)份額占(zhan)全省(sheng)60%以上(shang)(shang)。引(yin)導農商(shang)(shang)(shang)(shang)行(xing)(xing)(xing)積極融入鄉(xiang)村社(she)會治(zhi)理(li)，持(chi)(chi)續推動(dong)(dong)江(jiang)蘇(su)省(sheng)村級(ji)集體(ti)(ti)資金管(guan)理(li)服(fu)務(wu)(wu)和“三資”陽光監(jian)管(guan)平臺建(jian)設，至(zhi)年末，江(jiang)蘇(su)省(sheng)有19家農商(shang)(shang)(shang)(shang)行(xing)(xing)(xing)完(wan)成系統上(shang)(shang)線(xian)，服(fu)務(wu)(wu)管(guan)理(li)村級(ji)賬戶(hu)1798個(ge)，歸(gui)集監(jian)管(guan)資金33.9億(yi)元(yuan)(yuan)。

【責任編輯：王鈺】