文章來源：四(si)川省國資委(wei) 發布時間：2021-12-21
為(wei)創(chuang)新金(jin)融(rong)服務模式，補齊發展短板(ban)，破(po)解四川省甘(gan)孜州內小微企業和“三(san)農”業“融(rong)資(zi)(zi)難、融(rong)資(zi)(zi)貴、融(rong)資(zi)(zi)渠道少”的難題，甘(gan)孜州通過(guo)“完(wan)善+強化+創(chuang)新”有效整(zheng)合金(jin)融(rong)資(zi)(zi)源，建立完(wan)善地方(fang)金(jin)融(rong)投融(rong)資(zi)(zi)服務體系，帶動地方(fang)經(jing)濟壯(zhuang)大，促進(jin)民族地區經(jing)濟協調發展。
完善金融服務體系，籌建“新高地”企業
牢固樹立“抓(zhua)創(chuang)新(xin)就是抓(zhua)發(fa)(fa)(fa)展，謀創(chuang)新(xin)就是謀未來”的(de)理(li)(li)念(nian)，突出(chu)“做(zuo)(zuo)強一個(ge)平臺(tai)、打造兩個(ge)核(he)心，形成‘金(jin)融(rong)(rong)+’多層次、多功(gong)能(neng)”的(de)戰略(lve)思路，建立健全(quan)(quan)金(jin)融(rong)(rong)服(fu)(fu)務體(ti)系。一是完善創(chuang)新(xin)服(fu)(fu)務模式(shi)。按(an)照(zhao)“搭建平臺(tai)、整(zheng)合(he)資源(yuan)、金(jin)融(rong)(rong)創(chuang)新(xin)、服(fu)(fu)務企(qi)業(ye)(ye)(ye)”原則，組建甘(gan)(gan)孜州金(jin)控(kong)投資融(rong)(rong)資公司(si)(si)，下設州中小企(qi)業(ye)(ye)(ye)融(rong)(rong)資擔(dan)(dan)(dan)保(bao)公司(si)(si)、州惠民(min)資產管(guan)(guan)理(li)(li)公司(si)(si)、州迅捷融(rong)(rong)資咨詢(xun)服(fu)(fu)務公司(si)(si)等5家子企(qi)業(ye)(ye)(ye)，對其進(jin)行(xing)扁(bian)平化(hua)管(guan)(guan)理(li)(li)，實行(xing)分級獨立核(he)算、自(zi)(zi)負盈虧、自(zi)(zi)主經營(ying)、自(zi)(zi)擔(dan)(dan)(dan)風(feng)(feng)險(xian)(xian)，根據職(zhi)能(neng)定位，為甘(gan)(gan)孜州經濟發(fa)(fa)(fa)展提供全(quan)(quan)方位的(de)金(jin)融(rong)(rong)支(zhi)持。通過加(jia)強業(ye)(ye)(ye)務協(xie)同與資源(yuan)共享，運用市場化(hua)手段，“投、保(bao)、租、擔(dan)(dan)(dan)”等體(ti)系化(hua)金(jin)融(rong)(rong)服(fu)(fu)務，作(zuo)為甘(gan)(gan)孜州產業(ye)(ye)(ye)發(fa)(fa)(fa)展服(fu)(fu)務的(de)金(jin)融(rong)(rong)體(ti)系的(de)有(you)力(li)補充(chong)。二是持續深化(hua)改(gai)革(ge)攻堅。推(tui)進(jin)三(san)項制(zhi)度改(gai)革(ge)，優(you)化(hua)公司(si)(si)組織架構、薪酬考(kao)核(he)、管(guan)(guan)控(kong)體(ti)系，通過機構重組、崗位重設，不(bu)斷激發(fa)(fa)(fa)企(qi)業(ye)(ye)(ye)內生動(dong)力(li)、發(fa)(fa)(fa)展活力(li)。積極參股、入股民(min)營(ying)企(qi)業(ye)(ye)(ye)，穩妥推(tui)進(jin)混合(he)所有(you)制(zhi)改(gai)革(ge)，在(zai)(zai)建筑(zhu)、汽(qi)車銷(xiao)售(shou)、互聯網金(jin)融(rong)(rong)等領域放大國有(you)資本。三(san)是做(zuo)(zuo)好風(feng)(feng)險(xian)(xian)防(fang)控(kong)。針(zhen)對違約、代償、壞賬等風(feng)(feng)險(xian)(xian)加(jia)速顯現(xian)，經營(ying)風(feng)(feng)險(xian)(xian)日益加(jia)劇等實際(ji)，始終把(ba)風(feng)(feng)險(xian)(xian)控(kong)制(zhi)擺(bai)在(zai)(zai)業(ye)(ye)(ye)務發(fa)(fa)(fa)展首(shou)位，成立風(feng)(feng)險(xian)(xian)管(guan)(guan)理(li)(li)委員會(hui)，嚴(yan)格執(zhi)行(xing)“三(san)重一大”決策機制(zhi)，健全(quan)(quan)風(feng)(feng)險(xian)(xian)防(fang)控(kong)體(ti)系，制(zhi)定《擔(dan)(dan)(dan)保(bao)貸(dai)款操作(zuo)規(gui)(gui)程》、《全(quan)(quan)面風(feng)(feng)險(xian)(xian)管(guan)(guan)理(li)(li)辦法》、《風(feng)(feng)險(xian)(xian)分類管(guan)(guan)理(li)(li)辦法》等規(gui)(gui)章制(zhi)度10余個(ge)，縱(zong)深推(tui)進(jin)風(feng)(feng)險(xian)(xian)管(guan)(guan)控(kong)，切實筑(zhu)牢生產經營(ying)“防(fang)火(huo)墻”。
強化融資擔保服務，發揮“孵化器”功能
充分(fen)發(fa)(fa)揮(hui)融(rong)(rong)資(zi)(zi)、擔保(bao)(bao)(bao)等(deng)(deng)金(jin)融(rong)(rong)服務(wu)(wu)優勢，在融(rong)(rong)資(zi)(zi)額(e)度、風(feng)險(xian)防控、深化改革(ge)等(deng)(deng)方面下功夫、做文章(zhang)、求突(tu)破，打造(zao)“甘孜(zi)(zi)金(jin)控”品牌，截至目前(qian)，甘孜(zi)(zi)州(zhou)(zhou)(zhou)擔保(bao)(bao)(bao)放大倍(bei)數高于四川(chuan)省(sheng)平(ping)(ping)均(jun)水平(ping)(ping)0.8倍(bei)(四川(chuan)省(sheng)平(ping)(ping)均(jun)放大2.31倍(bei)，甘孜(zi)(zi)州(zhou)(zhou)(zhou)放大3.1倍(bei)），擔保(bao)(bao)(bao)費低于四川(chuan)省(sheng)平(ping)(ping)均(jun)水平(ping)(ping)近7個(ge)百分(fen)點(dian)，代償率始終(zhong)控制(zhi)在2%以(yi)內，各項業(ye)(ye)(ye)務(wu)(wu)指標位(wei)居(ju)四川(chuan)前(qian)列。一(yi)是豐富金(jin)融(rong)(rong)產品。甘孜(zi)(zi)州(zhou)(zhou)(zhou)擔保(bao)(bao)(bao)業(ye)(ye)(ye)務(wu)(wu)涵蓋(gai)投資(zi)(zi)、融(rong)(rong)資(zi)(zi)、融(rong)(rong)資(zi)(zi)擔保(bao)(bao)(bao)、非融(rong)(rong)資(zi)(zi)擔保(bao)(bao)(bao)、資(zi)(zi)產管(guan)理、咨詢服務(wu)(wu)、涉農(nong)(nong)項目、貿(mao)易、建筑、工(gong)(gong)程管(guan)理等(deng)(deng)。現已累計為(wei)19633戶(hu)中小企(qi)業(ye)(ye)(ye)、個(ge)體工(gong)(gong)商(shang)(shang)戶(hu)等(deng)(deng)提供(gong)貸(dai)款擔保(bao)(bao)(bao)15.05億元(yuan)(yuan)；為(wei)56戶(hu)建筑企(qi)業(ye)(ye)(ye)提供(gong)履約擔保(bao)(bao)(bao)135筆、12871.05萬(wan)元(yuan)(yuan)；為(wei)160多家農(nong)(nong)村(cun)合作(zuo)社、小微(wei)企(qi)業(ye)(ye)(ye)等(deng)(deng)開展(zhan)財務(wu)(wu)、法律等(deng)(deng)業(ye)(ye)(ye)務(wu)(wu)培(pei)訓(xun)500多人次，開展(zhan)代理會計記賬、代辦(ban)工(gong)(gong)商(shang)(shang)稅務(wu)(wu)手續等(deng)(deng)業(ye)(ye)(ye)務(wu)(wu)300多筆。二是籌建村(cun)鎮銀行。積(ji)極爭取(qu)相關政策，籌建四川(chuan)藏(zang)區首家村(cun)鎮銀行，完善甘孜(zi)(zi)州(zhou)(zhou)(zhou)農(nong)(nong)村(cun)金(jin)融(rong)(rong)體系。目前(qian)前(qian)期(qi)各項準(zhun)備工(gong)(gong)作(zuo)已完成，待條(tiao)件成熟時(shi)，加(jia)速推(tui)進(jin)組建工(gong)(gong)作(zuo)，有(you)效解(jie)決(jue)農(nong)(nong)村(cun)地(di)區金(jin)融(rong)(rong)機構覆蓋(gai)率低、金(jin)融(rong)(rong)供(gong)給(gei)不足、競爭不充分(fen)、服務(wu)(wu)缺位(wei)等(deng)(deng)“金(jin)融(rong)(rong)抑(yi)制(zhi)”問題。三是全力(li)扶持中小企(qi)業(ye)(ye)(ye)。截至目前(qian)，累計為(wei)40多家小微(wei)企(qi)業(ye)(ye)(ye)提供(gong)擔保(bao)(bao)(bao)1.7億元(yuan)(yuan)，融(rong)(rong)資(zi)(zi)金(jin)額(e)3.5億元(yuan)(yuan)，有(you)效解(jie)決(jue)“融(rong)(rong)資(zi)(zi)難(nan)、融(rong)(rong)資(zi)(zi)貴”問題。通過強化融(rong)(rong)資(zi)(zi)擔保(bao)(bao)(bao)及保(bao)(bao)(bao)后監管(guan)服務(wu)(wu)，發(fa)(fa)揮(hui)“孵(fu)化器”功能，康定市(shi)達折渚生(sheng)態農(nong)(nong)畜產品開發(fa)(fa)有(you)限公司和甘孜(zi)(zi)州(zhou)(zhou)(zhou)三祥農(nong)(nong)牧科技有(you)限公司兩家企(qi)業(ye)(ye)(ye)在天府股(gu)交(jiao)中心新四版成功掛牌，有(you)效提升了企(qi)業(ye)(ye)(ye)價值(zhi)，實現財富增值(zhi)。
創新多元產品模式，探索“新態勢”產業
牢(lao)固樹立(li)“抓創(chuang)新(xin)就是(shi)抓發(fa)(fa)展(zhan)，謀(mou)創(chuang)新(xin)就是(shi)謀(mou)未來”理(li)(li)念(nian)，突出“做強一(yi)個平臺(tai)、打造兩個核心，形(xing)成‘金(jin)(jin)(jin)融(rong)(rong)(rong)+’多層次(ci)、多功能”戰略思路(lu)，積極(ji)探(tan)索新(xin)形(xing)勢下(xia)金(jin)(jin)(jin)融(rong)(rong)(rong)服務(wu)產(chan)業(ye)(ye)。一(yi)是(shi)承接易地扶(fu)貧(pin)(pin)搬(ban)遷(qian)。主(zhu)動(dong)承接異地扶(fu)貧(pin)(pin)貸(dai)(dai)款(kuan)資(zi)(zi)(zi)(zi)金(jin)(jin)(jin)15.05億(yi)元(yuan)(yuan)(yuan)，全(quan)額劃(hua)轉(zhuan)至各(ge)縣（市(shi)），助推脫貧(pin)(pin)攻堅；采取政府、銀(yin)行(xing)、擔(dan)(dan)(dan)保(bao)公司“334”風險分(fen)擔(dan)(dan)(dan)模式，新(xin)增(zeng)鄉村(cun)振興產(chan)業(ye)(ye)貸(dai)(dai)款(kuan)擔(dan)(dan)(dan)保(bao)15戶(hu)、2145萬(wan)(wan)元(yuan)(yuan)(yuan)，助力(li)鄉村(cun)振興；獲(huo)得擔(dan)(dan)(dan)保(bao)支持(chi)(chi)的中(zhong)(zhong)小(xiao)微(wei)(wei)企(qi)業(ye)(ye)及(ji)“三農”客(ke)戶(hu)創(chuang)造稅(shui)收2.15億(yi)元(yuan)(yuan)(yuan)、間(jian)接帶動(dong)就業(ye)(ye)21000余(yu)(yu)人(ren)，助力(li)社會穩定；為(wei)州(zhou)內28戶(hu)中(zhong)(zhong)小(xiao)微(wei)(wei)企(qi)業(ye)(ye)提(ti)供(gong)融(rong)(rong)(rong)資(zi)(zi)(zi)(zi)咨詢(xun)、幫(bang)助貸(dai)(dai)款(kuan)10214萬(wan)(wan)元(yuan)(yuan)(yuan)，50多家(jia)農村(cun)合作社和(he)中(zhong)(zhong)小(xiao)微(wei)(wei)企(qi)業(ye)(ye)開展(zhan)財務(wu)、金(jin)(jin)(jin)融(rong)(rong)(rong)業(ye)(ye)務(wu)等(deng)孵化培訓達100余(yu)(yu)人(ren)次(ci)，助力(li)市(shi)場(chang)培育。二是(shi)運作“兩資(zi)(zi)(zi)(zi)金(jin)(jin)(jin)”項目。設立(li)風險補償金(jin)(jin)(jin)和(he)應(ying)(ying)急轉(zhuan)貸(dai)(dai)金(jin)(jin)(jin)，擬定“兩資(zi)(zi)(zi)(zi)金(jin)(jin)(jin)”方案(an)及(ji)細(xi)則、銀(yin)行(xing)比選方案(an)和(he)評分(fen)表、銀(yin)行(xing)托管協(xie)議、業(ye)(ye)務(wu)操作規(gui)程(cheng)、風險管理(li)(li)制度(du)；完成數(shu)據庫建立(li)、資(zi)(zi)(zi)(zi)金(jin)(jin)(jin)專項賬戶(hu)開立(li)和(he)資(zi)(zi)(zi)(zi)金(jin)(jin)(jin)劃(hua)轉(zhuan)工作，實(shi)現(xian)“兩資(zi)(zi)(zi)(zi)金(jin)(jin)(jin)”實(shi)質運作，截至目前，累(lei)計(ji)(ji)發(fa)(fa)放(fang)應(ying)(ying)急轉(zhuan)貸(dai)(dai)資(zi)(zi)(zi)(zi)金(jin)(jin)(jin)7筆，共計(ji)(ji)3286萬(wan)(wan)元(yuan)(yuan)(yuan)；累(lei)計(ji)(ji)發(fa)(fa)放(fang)風險補償金(jin)(jin)(jin)2筆，共計(ji)(ji)1000萬(wan)(wan)元(yuan)(yuan)(yuan)。三是(shi)開展(zhan)小(xiao)微(wei)(wei)企(qi)業(ye)(ye)“戰疫貸(dai)(dai)”。通(tong)過(guo)“幾(ji)家(jia)抬”引(yin)導(dao)實(shi)現(xian)疫情(qing)防(fang)控重(zhong)點企(qi)業(ye)(ye)及(ji)疫情(qing)防(fang)控期間(jian)中(zhong)(zhong)小(xiao)微(wei)(wei)企(qi)業(ye)(ye)和(he)新(xin)型農業(ye)(ye)經(jing)營主(zhu)體(ti)快速獲(huo)得貸(dai)(dai)款(kuan)和(he)融(rong)(rong)(rong)資(zi)(zi)(zi)(zi)成本(ben)(ben)(ben)大(da)幅下(xia)降。累(lei)計(ji)(ji)支持(chi)(chi)中(zhong)(zhong)小(xiao)微(wei)(wei)企(qi)業(ye)(ye)和(he)新(xin)型農業(ye)(ye)經(jing)營主(zhu)體(ti)“戰疫貸(dai)(dai)”項目擔(dan)(dan)(dan)保(bao)貸(dai)(dai)款(kuan)14筆金(jin)(jin)(jin)額8000余(yu)(yu)萬(wan)(wan)元(yuan)(yuan)(yuan)。通(tong)過(guo)減(jian)免租金(jin)(jin)(jin)、減(jian)半收取擔(dan)(dan)(dan)保(bao)費用的惠企(qi)舉措支持(chi)(chi)重(zhong)點企(qi)業(ye)(ye)復工達產(chan)、中(zhong)(zhong)小(xiao)企(qi)業(ye)(ye)持(chi)(chi)續發(fa)(fa)展(zhan)，合力(li)打贏(ying)疫情(qing)防(fang)控阻擊戰。四是(shi)開發(fa)(fa)互金(jin)(jin)(jin)平臺(tai)“優(you)信(xin)行(xing)”。依托互聯(lian)網(wang)技術手段、資(zi)(zi)(zi)(zi)本(ben)(ben)(ben)市(shi)場(chang)，堅持(chi)(chi)以市(shi)場(chang)為(wei)導(dao)向，以經(jing)濟(ji)(ji)效益(yi)為(wei)中(zhong)(zhong)心，組建甘(gan)孜州(zhou)金(jin)(jin)(jin)控優(you)信(xin)行(xing)互聯(lian)網(wang)信(xin)息服務(wu)有限責任公司。切實(shi)增(zeng)強以資(zi)(zi)(zi)(zi)本(ben)(ben)(ben)運營為(wei)主(zhu)的經(jing)營手段，運用現(xian)代經(jing)營管理(li)(li)理(li)(li)念(nian)，服務(wu)和(he)解決廣(guang)大(da)人(ren)群、小(xiao)微(wei)(wei)企(qi)業(ye)(ye)融(rong)(rong)(rong)資(zi)(zi)(zi)(zi)難(nan)、融(rong)(rong)(rong)資(zi)(zi)(zi)(zi)貴等(deng)問題，規(gui)范民間(jian)借貸(dai)(dai)，引(yin)導(dao)寺廟金(jin)(jin)(jin)融(rong)(rong)(rong)轉(zhuan)向合法的市(shi)場(chang)經(jing)濟(ji)(ji)。
【責任編輯：語謙】