文章(zhang)來源：重慶(qing)國資委(wei) 發布時間：2017-10-24
重慶興(xing)農(nong)(nong)擔保(bao)集團有限(xian)公司(si)，是重慶市(shi)委、市(shi)政府為統籌城(cheng)鄉發展、深(shen)化農(nong)(nong)村(cun)金融(rong)改革，通過擔保(bao)的(de)介入(ru)，盤(pan)活農(nong)(nong)村(cun)沉睡資(zi)(zi)源(yuan)，撬動金融(rong)資(zi)(zi)源(yuan)不斷流向農(nong)(nong)村(cun)地(di)區，緩解(jie)“三農(nong)(nong)”融(rong)資(zi)(zi)難、融(rong)資(zi)(zi)貴的(de)問題，進(jin)而促進(jin)農(nong)(nong)民增收致富(fu)而成(cheng)立的(de)公司(si)。公司(si)組建5年來(lai)，時刻(ke)牢(lao)記(ji)著姓“農(nong)(nong)”使命，抵擋住市(shi)場(chang)誘(you)惑，履行社會責任(ren)，全力解(jie)決(jue)“三農(nong)(nong)”融(rong)資(zi)(zi)難、融(rong)資(zi)(zi)貴問題并取(qu)得積(ji)極成(cheng)效。
截至今年9月底，集團累(lei)計(ji)支持(chi)“三農”融資400億元，有效(xiao)盤活農村(cun)“沉睡”資源180多萬畝。去(qu)年至今累(lei)計(ji)幫(bang)扶貧(pin)困(kun)(kun)區縣(xian)貧(pin)困(kun)(kun)開發(fa)項目(mu)和(he)貧(pin)困(kun)(kun)主體(ti)融資45.5億元，完成(cheng)2015-2017年扶貧(pin)融資目(mu)標的91%，在酉陽、彭水、巫溪、城口等(deng)幾個(ge)重(zhong)點支持(chi)貧(pin)困(kun)(kun)縣(xian)打造了8個(ge)典型幫(bang)扶示范點。
一、建(jian)立機(ji)制，金融扶(fu)(fu)貧基礎(chu)不(bu)斷(duan)完(wan)善。一是(shi)成(cheng)立了(le)(le)農(nong)(nong)村金融研究所和專司“三(san)農(nong)(nong)”的業務部門，做到產(chan)研結合(he)，引(yin)領農(nong)(nong)業信(xin)貸(dai)擔保和農(nong)(nong)村產(chan)權抵押(ya)融資(zi)事業發(fa)展(zhan)。二是(shi)加強支農(nong)(nong)業務考核，明(ming)確支農(nong)(nong)扶(fu)(fu)貧業務發(fa)展(zhan)質(zhi)量(liang)指標(biao)、風控指標(biao)、管理指標(biao)在年(nian)度考核中不(bu)低(di)于70%。三(san)是(shi)撥付專款建(jian)立“三(san)農(nong)(nong)”和扶(fu)(fu)貧客戶的信(xin)息(xi)資(zi)料庫(ku)。四是(shi)為引(yin)導(dao)客戶經理多(duo)(duo)開(kai)發(fa)“三(san)農(nong)(nong)”和扶(fu)(fu)貧項目(mu)，在差旅(lv)費(fei)上予以政(zheng)策(ce)傾斜。五是(shi)凡按規范操作的支農(nong)(nong)扶(fu)(fu)貧項目(mu)，集(ji)(ji)團公(gong)(gong)司與(yu)區(qu)(qu)縣公(gong)(gong)司對半分擔風險，以鼓勵區(qu)(qu)縣公(gong)(gong)司更多(duo)(duo)地開(kai)發(fa)支農(nong)(nong)扶(fu)(fu)貧項目(mu)。六是(shi)明(ming)確集(ji)(ji)團公(gong)(gong)司人才提拔(ba)、培養需(xu)下(xia)(xia)派(pai)到扶(fu)(fu)貧區(qu)(qu)縣鍛煉一年(nian)，目(mu)前已經在秀山、酉陽(yang)、彭水(shui)、忠縣、武隆、奉節等(deng)區(qu)(qu)縣下(xia)(xia)派(pai)了(le)(le)業務骨(gu)干。
二、創新產(chan)品，金(jin)融(rong)扶貧(pin)(pin)(pin)(pin)載體不斷(duan)豐富。按照“一(yi)(yi)(yi)區(qu)(qu)域一(yi)(yi)(yi)產(chan)品”、“一(yi)(yi)(yi)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)一(yi)(yi)(yi)方(fang)案”的思路(lu)，選取大足為試點區(qu)(qu)縣，建立貧(pin)(pin)(pin)(pin)困(kun)(kun)地區(qu)(qu)和(he)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)名冊、扶持臺賬和(he)扶貧(pin)(pin)(pin)(pin)擔(dan)(dan)(dan)保(bao)(bao)(bao)(bao)項目庫，開(kai)(kai)發(fa)推廣“農(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)產(chan)業(ye)(ye)(ye)(ye)鏈”“農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)聯保(bao)(bao)(bao)(bao)”“信用擔(dan)(dan)(dan)保(bao)(bao)(bao)(bao)”等擔(dan)(dan)(dan)保(bao)(bao)(bao)(bao)模式(shi)和(he)產(chan)品，最(zui)大限(xian)度滿(man)足貧(pin)(pin)(pin)(pin)困(kun)(kun)地區(qu)(qu)、貧(pin)(pin)(pin)(pin)困(kun)(kun)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)融(rong)資需(xu)求。探索推廣應用微貸(dai)擔(dan)(dan)(dan)保(bao)(bao)(bao)(bao)技術，開(kai)(kai)發(fa)自助循環流動資金(jin)貸(dai)款(kuan)擔(dan)(dan)(dan)保(bao)(bao)(bao)(bao)品種，推廣農(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)集群、批發(fa)擔(dan)(dan)(dan)保(bao)(bao)(bao)(bao)等農(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)產(chan)業(ye)(ye)(ye)(ye)鏈金(jin)融(rong)服務模式(shi)，積極(ji)開(kai)(kai)展“公司+農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)”“公司+農(nong)(nong)(nong)(nong)(nong)(nong)(nong)民(min)合(he)(he)作社+農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)”等促進農(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)產(chan)業(ye)(ye)(ye)(ye)化經營的信貸(dai)擔(dan)(dan)(dan)保(bao)(bao)(bao)(bao)模式(shi)。目前(qian)，成功開(kai)(kai)發(fa)了城口縣東安鄉發(fa)展“鄉村(cun)(cun)旅游”農(nong)(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)小(xiao)額(e)貸(dai)款(kuan)擔(dan)(dan)(dan)保(bao)(bao)(bao)(bao)項目，開(kai)(kai)縣大進鄉個體經營戶(hu)(hu)(hu)(hu)及(ji)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)業(ye)(ye)(ye)(ye)專業(ye)(ye)(ye)(ye)合(he)(he)作社小(xiao)額(e)貸(dai)款(kuan)擔(dan)(dan)(dan)保(bao)(bao)(bao)(bao)項目等。尤(you)其是石柱(zhu)興(xing)農(nong)(nong)(nong)(nong)(nong)(nong)(nong)擔(dan)(dan)(dan)保(bao)(bao)(bao)(bao)公司創新實施(shi)了“聚(ju)寶盆”精準扶貧(pin)(pin)(pin)(pin)計(ji)劃，對貧(pin)(pin)(pin)(pin)困(kun)(kun)戶(hu)(hu)(hu)(hu)由“補血”到“造血”，幫助貧(pin)(pin)(pin)(pin)困(kun)(kun)戶(hu)(hu)(hu)(hu)實現可持續(xu)脫(tuo)貧(pin)(pin)(pin)(pin)，截(jie)至9月底，“聚(ju)寶盆”計(ji)劃擔(dan)(dan)(dan)保(bao)(bao)(bao)(bao)扶貧(pin)(pin)(pin)(pin)款(kuan)798.57萬(wan)元，涉及(ji)15個貧(pin)(pin)(pin)(pin)困(kun)(kun)村(cun)(cun)近500個貧(pin)(pin)(pin)(pin)困(kun)(kun)戶(hu)(hu)(hu)(hu)。
三(san)(san)、專(zhuan)(zhuan)門(men)通道，金(jin)(jin)融(rong)扶貧(pin)(pin)質量不斷提(ti)(ti)升。一(yi)是(shi)(shi)(shi)壓縮(suo)支農扶貧(pin)(pin)項目(mu)辦(ban)理(li)時(shi)間(jian)，限時(shi)辦(ban)結。對(dui)各子公(gong)司(si)、區縣公(gong)司(si)上(shang)報的(de)(de)扶貧(pin)(pin)項目(mu)，集團公(gong)司(si)設立專(zhuan)(zhuan)門(men)通道、召開(kai)專(zhuan)(zhuan)場評(ping)審會、制定專(zhuan)(zhuan)門(men)流程，提(ti)(ti)高支農扶貧(pin)(pin)項目(mu)辦(ban)理(li)效率。如(ru)石柱縣楓木項目(mu)，從上(shang)報到(dao)辦(ban)結僅用(yong)三(san)(san)天時(shi)間(jian)。二是(shi)(shi)(shi)集團公(gong)司(si)每(mei)年都要組織客(ke)戶(hu)(hu)回訪及(ji)客(ke)戶(hu)(hu)滿意度(du)調(diao)查，對(dui)客(ke)戶(hu)(hu)提(ti)(ti)出(chu)的(de)(de)合理(li)要求及(ji)建議不斷整改，如(ru)對(dui)中小微客(ke)戶(hu)(hu)采取表單(dan)式(shi)的(de)(de)服務，簡(jian)化了流程、簡(jian)便了操(cao)作。三(san)(san)是(shi)(shi)(shi)針對(dui)每(mei)一(yi)位客(ke)戶(hu)(hu)，進行(xing)綜合金(jin)(jin)融(rong)產(chan)品設計，不僅僅局(ju)限于融(rong)資擔(dan)保(bao)，同(tong)時(shi)包(bao)括做(zuo)金(jin)(jin)融(rong)理(li)財、資產(chan)管(guan)理(li)、股權(quan)基(ji)金(jin)(jin)、咨詢及(ji)資產(chan)評(ping)估等綜合性金(jin)(jin)融(rong)服務。四是(shi)(shi)(shi)執行(xing)差別化定價制度(du)，對(dui)涉農項目(mu)執行(xing)不高于2%、扶貧(pin)(pin)項目(mu)執行(xing)不高于1%、對(dui)貧(pin)(pin)困(kun)戶(hu)(hu)免收擔(dan)保(bao)費的(de)(de)低(di)擔(dan)保(bao)費率政策，遠(yuan)低(di)于商(shang)業(ye)擔(dan)保(bao)3%左右(you)的(de)(de)收費標準，讓(rang)“三(san)(san)農”切切實實地(di)得到(dao)了實惠。同(tong)時(shi)，充分發揮“三(san)(san)農”與(yu)金(jin)(jin)融(rong)機構的(de)(de)橋梁紐帶作用(yong)，加強與(yu)銀行(xing)等資金(jin)(jin)供(gong)給方溝通協調(diao)，有效引導金(jin)(jin)融(rong)機構降(jiang)低(di)“三(san)(san)農”融(rong)資成本(ben)(ben)1-2個百分點。按此計算，僅酉陽(yang)縣就節約融(rong)資成本(ben)(ben)1000多萬(wan)元。
四(si)、運(yun)(yun)(yun)用“組合拳”，打(da)通金(jin)(jin)融(rong)(rong)(rong)扶貧(pin)“最后(hou)一公(gong)里(li)(li)”。興(xing)農(nong)(nong)(nong)(nong)(nong)(nong)擔(dan)保(bao)(bao)充分運(yun)(yun)(yun)用“1+26+5”傘形擔(dan)保(bao)(bao)體(ti)系(xi)(xi)優(you)勢，縱向延伸(shen)服(fu)務(wu)(wu)觸角、橫向拓(tuo)展服(fu)務(wu)(wu)功能(neng)，綜合運(yun)(yun)(yun)用融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)保(bao)(bao)、資(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)管理及(ji)(ji)無償捐贈“組合拳”真幫實(shi)扶。一是(shi)(shi)組建(jian)(jian)了(le)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)產(chan)(chan)(chan)(chan)(chan)權(quan)價(jia)值評估機構，率(lv)先建(jian)(jian)立了(le)“三(san)權(quan)”資(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)評估標(biao)(biao)準(zhun)，有效(xiao)解決(jue)了(le)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)資(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)評估難、收費高(gao)(gao)、效(xiao)率(lv)低、技(ji)術標(biao)(biao)準(zhun)不統(tong)一、價(jia)值難以發(fa)現和認定(ding)等問題。截(jie)至(zhi)今年(nian)9月(yue)底(di)，累(lei)計涉及(ji)(ji)“三(san)權(quan)”資(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)評估342億(yi)元(yuan)(yuan)，其中，流(liu)轉地125億(yi)元(yuan)(yuan)、宅(zhai)基地64億(yi)元(yuan)(yuan)、生物(wu)資(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)30億(yi)元(yuan)(yuan)、林權(quan)116.3億(yi)元(yuan)(yuan)、農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)房屋6.7億(yi)元(yuan)(yuan)。二是(shi)(shi)搭建(jian)(jian)了(le)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)不良資(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)收儲(chu)平臺。為有效(xiao)收儲(chu)、經(jing)營、管理和處置農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)不良資(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)，保(bao)(bao)障“三(san)農(nong)(nong)(nong)(nong)(nong)(nong)”的(de)合法權(quan)益，確保(bao)(bao)涉農(nong)(nong)(nong)(nong)(nong)(nong)擔(dan)保(bao)(bao)項目持(chi)續(xu)經(jing)營奠定(ding)了(le)堅實(shi)的(de)基礎。截(jie)至(zhi)今年(nian)9月(yue)底(di)，累(lei)計收儲(chu)不良資(zi)(zi)(zi)產(chan)(chan)(chan)(chan)(chan)1.8億(yi)元(yuan)(yuan)。三(san)是(shi)(shi)扎實(shi)推進易地扶貧(pin)搬(ban)遷(qian)(qian)(qian)統(tong)承統(tong)貸(dai)和高(gao)(gao)標(biao)(biao)準(zhun)農(nong)(nong)(nong)(nong)(nong)(nong)田建(jian)(jian)設(she)工作。今年(nian)5月(yue)，全(quan)市首個(ge)高(gao)(gao)標(biao)(biao)準(zhun)農(nong)(nong)(nong)(nong)(nong)(nong)田建(jian)(jian)設(she)融(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)保(bao)(bao)項目正式落地。該項目由(you)興(xing)農(nong)(nong)(nong)(nong)(nong)(nong)擔(dan)保(bao)(bao)提供(gong)擔(dan)保(bao)(bao)，重慶銀行(xing)提供(gong)960萬(wan)貸(dai)款(kuan)，支持(chi)雙億(yi)農(nong)(nong)(nong)(nong)(nong)(nong)業綜合開(kai)發(fa)公(gong)司(si)連片打(da)造5000畝(mu)高(gao)(gao)標(biao)(biao)準(zhun)農(nong)(nong)(nong)(nong)(nong)(nong)田，用于發(fa)展木本(ben)油料基地。截(jie)至(zhi)9月(yue)，集團公(gong)司(si)已(yi)承接(jie)高(gao)(gao)山生態(tai)扶貧(pin)搬(ban)遷(qian)(qian)(qian)融(rong)(rong)(rong)資(zi)(zi)(zi)項目資(zi)(zi)(zi)本(ben)金(jin)(jin)31.85億(yi)元(yuan)(yuan)；已(yi)與(yu)國開(kai)行(xing)、農(nong)(nong)(nong)(nong)(nong)(nong)發(fa)行(xing)簽(qian)訂(ding)(ding)長期政策性貸(dai)款(kuan)協議(yi)(yi)(yi)并(bing)取得整(zheng)體(ti)授信87.5億(yi)元(yuan)(yuan)；已(yi)實(shi)際(ji)籌(chou)集到位高(gao)(gao)山生態(tai)扶貧(pin)搬(ban)遷(qian)(qian)(qian)資(zi)(zi)(zi)金(jin)(jin)36.28億(yi)元(yuan)(yuan)；已(yi)與(yu)13個(ge)區(qu)(qu)縣政府、區(qu)(qu)縣實(shi)施(shi)主體(ti)簽(qian)訂(ding)(ding)《政府購買服(fu)務(wu)(wu)協議(yi)(yi)(yi)》《資(zi)(zi)(zi)金(jin)(jin)使用協議(yi)(yi)(yi)》，已(yi)實(shi)際(ji)向16個(ge)區(qu)(qu)縣實(shi)施(shi)主體(ti)撥付到位搬(ban)遷(qian)(qian)(qian)資(zi)(zi)(zi)金(jin)(jin)35.45億(yi)元(yuan)(yuan)。四(si)是(shi)(shi)探索(suo)支持(chi)區(qu)(qu)縣公(gong)司(si)在(zai)重點鄉鎮、街道建(jian)(jian)立服(fu)務(wu)(wu)點，成功開(kai)發(fa)運(yun)(yun)(yun)營了(le)農(nong)(nong)(nong)(nong)(nong)(nong)戶線上(shang)投(tou)融(rong)(rong)(rong)資(zi)(zi)(zi)和農(nong)(nong)(nong)(nong)(nong)(nong)產(chan)(chan)(chan)(chan)(chan)品進城(cheng)、農(nong)(nong)(nong)(nong)(nong)(nong)資(zi)(zi)(zi)及(ji)(ji)消費品下鄉電子(zi)商務(wu)(wu)系(xi)(xi)統(tong)，進一步組合好、運(yun)(yun)(yun)用好體(ti)系(xi)(xi)資(zi)(zi)(zi)源，打(da)通城(cheng)鄉金(jin)(jin)融(rong)(rong)(rong)服(fu)務(wu)(wu)“最后(hou)一公(gong)里(li)(li)”，全(quan)面提升農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)金(jin)(jin)融(rong)(rong)(rong)服(fu)務(wu)(wu)效(xiao)率(lv)和質量。