免费菠萝视频app下载

　　近(jin)年來(lai)，廣西農(nong)信社把解決農(nong)民工(gong)貸款(kuan)難問題當作(zuo)服務(wu)“三農(nong)”工(gong)作(zuo)的(de)主線之(zhi)一，堅持把支持返鄉農(nong)民工(gong)就(jiu)業(ye)(ye)創業(ye)(ye)作(zuo)為保增長、保穩定的(de)主要抓手，積(ji)極為返鄉農(nong)民創業(ye)(ye)、就(jiu)業(ye)(ye)提(ti)供(gong)優質高效的(de)金融服務(wu)和信貸支持。近(jin)3年來(lai)，累計(ji)發放農(nong)民工(gong)創業(ye)(ye)貸款(kuan)326億元。

　　以農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)小(xiao)(xiao)額(e)信用貸(dai)款(kuan)和農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)聯保貸(dai)款(kuan)業(ye)(ye)(ye)(ye)務(wu)(wu)為抓手(shou)，搭建農(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)工金(jin)融服務(wu)(wu)平(ping)臺。將(jiang)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)小(xiao)(xiao)額(e)信用貸(dai)款(kuan)額(e)度(du)從(cong)原(yuan)來的(de)(de)1-2萬元提(ti)高(gao)到(dao)最高(gao)5萬元，部分個(ge)體工商(shang)(shang)業(ye)(ye)(ye)(ye)較(jiao)發達或農(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)產業(ye)(ye)(ye)(ye)化程度(du)較(jiao)高(gao)的(de)(de)縣(xian)域調整到(dao)15萬元，滿足了農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村種(zhong)(zhong)養(yang)(yang)大(da)(da)戶(hu)(hu)(hu)等(deng)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)創業(ye)(ye)(ye)(ye)的(de)(de)金(jin)融服務(wu)(wu)需求。在支持傳統種(zhong)(zhong)養(yang)(yang)業(ye)(ye)(ye)(ye)的(de)(de)基礎(chu)上，將(jiang)服務(wu)(wu)對(dui)象從(cong)單純的(de)(de)從(cong)事家庭式種(zhong)(zhong)養(yang)(yang)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)擴(kuo)大(da)(da)到(dao)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村多(duo)種(zhong)(zhong)經(jing)營(ying)戶(hu)(hu)(hu)、個(ge)體工商(shang)(shang)戶(hu)(hu)(hu)、農(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)專業(ye)(ye)(ye)(ye)合作社以及農(nong)(nong)(nong)(nong)(nong)(nong)(nong)村小(xiao)(xiao)企業(ye)(ye)(ye)(ye)。同時，將(jiang)小(xiao)(xiao)額(e)貸(dai)款(kuan)用途(tu)從(cong)單純支持種(zhong)(zhong)植、養(yang)(yang)殖等(deng)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)生(sheng)產擴(kuo)大(da)(da)到(dao)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)產品加工、運輸、流通、貿易等(deng)各環節融資需求，支持農(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)工多(duo)行(xing)業(ye)(ye)(ye)(ye)、多(duo)途(tu)徑創業(ye)(ye)(ye)(ye)。另(ling)外，實行(xing)優(you)惠利(li)(li)率，切(qie)實減(jian)輕農(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)負擔，對(dui)從(cong)事商(shang)(shang)業(ye)(ye)(ye)(ye)經(jing)營(ying)、旅游(you)消費(fei)的(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)貸(dai)款(kuan)利(li)(li)率上浮(fu)幅度(du)不得超過(guo)20%，種(zhong)(zhong)植養(yang)(yang)殖等(deng)生(sheng)產性的(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)貸(dai)款(kuan)利(li)(li)率上浮(fu)幅度(du)不得超過(guo)10%的(de)(de)優(you)惠利(li)(li)率，最大(da)(da)限度(du)減(jian)輕廣(guang)大(da)(da)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)工創業(ye)(ye)(ye)(ye)成本。2014年又取(qu)(qu)消銀行(xing)卡異地取(qu)(qu)款(kuan)手(shou)續(xu)費(fei)，年讓(rang)利(li)(li)額(e)將(jiang)達到(dao)1.6億元，有(you)效減(jian)輕了農(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)工負擔。

　　支(zhi)持(chi)涉農(nong)(nong)(nong)企業(ye)(ye)和農(nong)(nong)(nong)業(ye)(ye)產業(ye)(ye)化(hua)龍頭企業(ye)(ye)發展，吸(xi)引更(geng)多返(fan)鄉(xiang)(xiang)農(nong)(nong)(nong)民工(gong)創業(ye)(ye)就業(ye)(ye)。加大對農(nong)(nong)(nong)村產業(ye)(ye)化(hua)龍頭企業(ye)(ye)的(de)(de)資(zi)金(jin)支(zhi)持(chi)力度(du)，推廣“公司(si)+基地(di)(di)+農(nong)(nong)(nong)戶(hu)”、“公司(si)+農(nong)(nong)(nong)民專業(ye)(ye)合作社+農(nong)(nong)(nong)戶(hu)”的(de)(de)貸款模式，吸(xi)引大量(liang)的(de)(de)返(fan)鄉(xiang)(xiang)農(nong)(nong)(nong)民工(gong)加入到農(nong)(nong)(nong)業(ye)(ye)產業(ye)(ye)化(hua)的(de)(de)鏈(lian)條中(zhong)，促(cu)進農(nong)(nong)(nong)民工(gong)就地(di)(di)就近就業(ye)(ye)創業(ye)(ye)。2013年，該社累計向桑(sang)蠶、制糖(tang)、酒精、淀粉、茉(mo)莉花、松脂(zhi)等我區優勢產業(ye)(ye)發放貸款204.97億(yi)元，直(zhi)接從中(zhong)受益的(de)(de)農(nong)(nong)(nong)戶(hu)超過230萬(wan)戶(hu)，吸(xi)引50多萬(wan)返(fan)鄉(xiang)(xiang)農(nong)(nong)(nong)民工(gong)加入規(gui)模化(hua)的(de)(de)種(zhong)養業(ye)(ye)。

　　創(chuang)(chuang)(chuang)新金(jin)融產(chan)品，給廣大農民(min)(min)工創(chuang)(chuang)(chuang)業(ye)提(ti)供金(jin)融服務便(bian)利(li)。針對農民(min)(min)工貸(dai)(dai)(dai)(dai)款(kuan)(kuan)抵押(ya)(ya)難(nan)問題，推(tui)(tui)出了林權(quan)抵押(ya)(ya)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)、動產(chan)抵押(ya)(ya)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)、土地承包經(jing)營權(quan)質押(ya)(ya)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)等(deng)信貸(dai)(dai)(dai)(dai)品種，有效(xiao)滿(man)足了農村(cun)多元化的金(jin)融服務需求(qiu)。同時(shi)，根據農村(cun)經(jing)濟(ji)發(fa)展需要(yao)，2013年(nian)在(zai)(zai)隆(long)安、南寧(ning)市區、武鳴三縣推(tui)(tui)出了“金(jin)香蕉”助業(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)，在(zai)(zai)百(bai)色市推(tui)(tui)廣田七貸(dai)(dai)(dai)(dai)款(kuan)(kuan)，在(zai)(zai)龍州、憑(ping)祥、靖西等(deng)邊境(jing)縣開(kai)展邊民(min)(min)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)業(ye)務等(deng)，2013年(nian)累計發(fa)放“金(jin)香蕉”助業(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)1.5億元，田七貸(dai)(dai)(dai)(dai)款(kuan)(kuan)8100萬元。加強與(yu)有關部(bu)門合作，與(yu)地方組織部(bu)門、地方團(tuan)委、婦聯等(deng)部(bu)門合作推(tui)(tui)出黨員信貸(dai)(dai)(dai)(dai)、青年(nian)創(chuang)(chuang)(chuang)業(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)、婦女(nv)創(chuang)(chuang)(chuang)業(ye)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)、扶貧(pin)開(kai)發(fa)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)、庫區移民(min)(min)貸(dai)(dai)(dai)(dai)款(kuan)(kuan)等(deng)，支持農民(min)(min)發(fa)展生產(chan)、增收致富。

　　創新服(fu)務手段，提高服(fu)務效(xiao)(xiao)率(lv)。實(shi)施“陽光信(xin)貸”工(gong)程(cheng)，積極(ji)推(tui)行貸款(kuan)“三公開”制(zhi)度(du)，懸(xuan)掛服(fu)務標(biao)牌，公開貸款(kuan)條件、程(cheng)序以(yi)及包(bao)片信(xin)貸員(yuan)聯系卡，提高農民工(gong)貸款(kuan)透明度(du)。同時，以(yi)“信(xin)祥卡”、“貸款(kuan)證”為載體，積極(ji)推(tui)廣“一次授信(xin)、隨用隨貸、余額(e)控制(zhi)、周轉使用”的農戶(hu)(hu)循環貸款(kuan)，簡化貸款(kuan)手續，有效(xiao)(xiao)提高農戶(hu)(hu)貸款(kuan)流(liu)程(cheng)和(he)辦(ban)貸效(xiao)(xiao)率(lv)。發揚“挎包(bao)銀行”的優(you)良傳(chuan)統，主動把(ba)(ba)金(jin)融(rong)知(zhi)識、信(xin)息和(he)產品帶到農戶(hu)(hu)家中(zhong)，為農民工(gong)提供貼身(shen)的信(xin)貸及各項金(jin)融(rong)服(fu)務工(gong)作。大力推(tui)行農村金(jin)融(rong)聯絡員(yuan)制(zhi)度(du)，加強金(jin)融(rong)知(zhi)識宣介和(he)協(xie)助工(gong)作，把(ba)(ba)農信(xin)社的服(fu)務帶到千家萬(wan)戶(hu)(hu)。

　　加(jia)強農(nong)村地區支(zhi)付體系建(jian)設，有效暢(chang)通(tong)支(zhi)付結算服(fu)務(wu)(wu)(wu)(wu)(wu)渠道。開辦農(nong)民(min)工銀(yin)(yin)行(xing)卡特色(se)服(fu)務(wu)(wu)(wu)(wu)(wu)，解決農(nong)民(min)工跨(kua)地區、跨(kua)銀(yin)(yin)行(xing)取款(kuan)問題，既方便、快(kuai)捷又安全。推廣電話銀(yin)(yin)行(xing)、手機(ji)銀(yin)(yin)行(xing)、網(wang)上銀(yin)(yin)行(xing)以及(ji)POS為載體，集消費收(shou)費、轉賬匯款(kuan)、余額查詢、代理取款(kuan)等功能于(yu)一(yi)身的(de)“桂盛通(tong)”業務(wu)(wu)(wu)(wu)(wu)。截至2013年末，在(zai)廣西13682個具(ju)備安裝(zhuang)條件(jian)的(de)行(xing)政村設立便民(min)服(fu)務(wu)(wu)(wu)(wu)(wu)點14568個，布放具(ju)有賬戶查詢、現金存取、轉賬匯款(kuan)等業務(wu)(wu)(wu)(wu)(wu)功能的(de)桂盛通(tong)自助結算終(zhong)端18953臺，打造了“足不出村享(xiang)受金融(rong)服(fu)務(wu)(wu)(wu)(wu)(wu)”的(de)惠(hui)民(min)平(ping)臺，使農(nong)民(min)工及(ji)其家庭享(xiang)受到高效便利的(de)現代金融(rong)服(fu)務(wu)(wu)(wu)(wu)(wu)。