文章來源：重慶國資委 發布時間：2017-10-24
重慶興農(nong)(nong)(nong)(nong)擔(dan)保(bao)集團(tuan)有限公司，是重慶市委、市政(zheng)府為統(tong)籌城(cheng)鄉(xiang)發(fa)展(zhan)、深化(hua)農(nong)(nong)(nong)(nong)村金(jin)融改(gai)革(ge)，通過擔(dan)保(bao)的(de)介入，盤(pan)活農(nong)(nong)(nong)(nong)村沉睡資(zi)源(yuan)(yuan)，撬(qiao)動金(jin)融資(zi)源(yuan)(yuan)不斷流(liu)向農(nong)(nong)(nong)(nong)村地(di)區，緩解“三農(nong)(nong)(nong)(nong)”融資(zi)難(nan)、融資(zi)貴(gui)的(de)問題(ti)，進而(er)促進農(nong)(nong)(nong)(nong)民(min)增(zeng)收致富(fu)而(er)成(cheng)立的(de)公司。公司組建5年來，時刻(ke)牢記著姓“農(nong)(nong)(nong)(nong)”使命，抵(di)擋(dang)住(zhu)市場誘惑，履行社會責任，全(quan)力解決“三農(nong)(nong)(nong)(nong)”融資(zi)難(nan)、融資(zi)貴(gui)問題(ti)并(bing)取得積極成(cheng)效。
截(jie)至(zhi)今年(nian)(nian)9月底，集(ji)團(tuan)累(lei)計支持“三農(nong)”融資(zi)400億(yi)元，有效盤活(huo)農(nong)村“沉睡”資(zi)源(yuan)180多萬畝。去(qu)年(nian)(nian)至(zhi)今累(lei)計幫扶貧(pin)困(kun)(kun)(kun)區縣(xian)貧(pin)困(kun)(kun)(kun)開發(fa)項目和(he)貧(pin)困(kun)(kun)(kun)主體融資(zi)45.5億(yi)元，完成(cheng)2015-2017年(nian)(nian)扶貧(pin)融資(zi)目標(biao)的91%，在(zai)酉陽(yang)、彭水、巫溪、城(cheng)口等幾個(ge)重點(dian)支持貧(pin)困(kun)(kun)(kun)縣(xian)打造(zao)了8個(ge)典(dian)型(xing)幫扶示范點(dian)。
一、建立機制，金(jin)融扶(fu)貧(pin)基礎不斷完善。一是成立了農村(cun)金(jin)融研究所(suo)和專(zhuan)司(si)“三(san)農”的業務(wu)(wu)(wu)部門，做到(dao)產(chan)研結合，引領農業信(xin)貸擔保和農村(cun)產(chan)權抵押融資(zi)事業發(fa)展。二(er)是加強支農業務(wu)(wu)(wu)考(kao)(kao)核，明確支農扶(fu)貧(pin)業務(wu)(wu)(wu)發(fa)展質量指標、風控(kong)指標、管理指標在年度考(kao)(kao)核中不低于70%。三(san)是撥(bo)付專(zhuan)款建立“三(san)農”和扶(fu)貧(pin)客戶的信(xin)息資(zi)料庫。四是為引導客戶經理多開(kai)發(fa)“三(san)農”和扶(fu)貧(pin)項(xiang)(xiang)目，在差旅費上予以政策(ce)傾斜。五是凡按規范(fan)操作的支農扶(fu)貧(pin)項(xiang)(xiang)目，集(ji)團(tuan)公(gong)(gong)(gong)司(si)與區縣(xian)公(gong)(gong)(gong)司(si)對半分(fen)擔風險，以鼓勵(li)區縣(xian)公(gong)(gong)(gong)司(si)更多地開(kai)發(fa)支農扶(fu)貧(pin)項(xiang)(xiang)目。六是明確集(ji)團(tuan)公(gong)(gong)(gong)司(si)人(ren)才提(ti)拔、培(pei)養需(xu)下(xia)派到(dao)扶(fu)貧(pin)區縣(xian)鍛(duan)煉一年，目前(qian)已經在秀山、酉陽、彭水(shui)、忠縣(xian)、武隆、奉節(jie)等區縣(xian)下(xia)派了業務(wu)(wu)(wu)骨干(gan)。
二、創(chuang)新產(chan)(chan)(chan)品(pin)(pin)(pin)，金(jin)融(rong)扶貧(pin)(pin)載體(ti)不(bu)斷豐富。按照“一區(qu)(qu)域(yu)一產(chan)(chan)(chan)品(pin)(pin)(pin)”、“一農(nong)戶(hu)(hu)一方案”的思路，選取大足(zu)為試(shi)點區(qu)(qu)縣，建(jian)立貧(pin)(pin)困(kun)(kun)(kun)地區(qu)(qu)和(he)農(nong)戶(hu)(hu)名冊、扶持(chi)(chi)臺賬和(he)扶貧(pin)(pin)擔保(bao)項目(mu)庫(ku)，開(kai)發(fa)推(tui)廣“農(nong)業產(chan)(chan)(chan)業鏈”“農(nong)戶(hu)(hu)聯保(bao)”“信(xin)用擔保(bao)”等擔保(bao)模式和(he)產(chan)(chan)(chan)品(pin)(pin)(pin)，最大限度(du)滿足(zu)貧(pin)(pin)困(kun)(kun)(kun)地區(qu)(qu)、貧(pin)(pin)困(kun)(kun)(kun)農(nong)戶(hu)(hu)融(rong)資需求。探索推(tui)廣應用微貸擔保(bao)技術，開(kai)發(fa)自助循(xun)環流動(dong)資金(jin)貸款擔保(bao)品(pin)(pin)(pin)種，推(tui)廣農(nong)業集(ji)群、批發(fa)擔保(bao)等農(nong)業產(chan)(chan)(chan)業鏈金(jin)融(rong)服務模式，積極(ji)開(kai)展“公(gong)司(si)(si)+農(nong)戶(hu)(hu)”“公(gong)司(si)(si)+農(nong)民合(he)作(zuo)社(she)+農(nong)戶(hu)(hu)”等促進(jin)農(nong)業產(chan)(chan)(chan)業化經營的信(xin)貸擔保(bao)模式。目(mu)前，成功開(kai)發(fa)了城口縣東(dong)安(an)鄉發(fa)展“鄉村(cun)旅游”農(nong)戶(hu)(hu)小額貸款擔保(bao)項目(mu)，開(kai)縣大進(jin)鄉個體(ti)經營戶(hu)(hu)及(ji)農(nong)業專業合(he)作(zuo)社(she)小額貸款擔保(bao)項目(mu)等。尤其是石柱興(xing)農(nong)擔保(bao)公(gong)司(si)(si)創(chuang)新實施(shi)了“聚(ju)寶(bao)盆”精(jing)準(zhun)扶貧(pin)(pin)計劃(hua)(hua)，對貧(pin)(pin)困(kun)(kun)(kun)戶(hu)(hu)由(you)“補血”到“造血”，幫助貧(pin)(pin)困(kun)(kun)(kun)戶(hu)(hu)實現可(ke)持(chi)(chi)續脫(tuo)貧(pin)(pin)，截至9月底，“聚(ju)寶(bao)盆”計劃(hua)(hua)擔保(bao)扶貧(pin)(pin)款798.57萬元，涉(she)及(ji)15個貧(pin)(pin)困(kun)(kun)(kun)村(cun)近500個貧(pin)(pin)困(kun)(kun)(kun)戶(hu)(hu)。
三、專(zhuan)門通道(dao)，金(jin)融(rong)扶(fu)(fu)貧(pin)質量不斷提(ti)升(sheng)。一是(shi)(shi)壓縮支農扶(fu)(fu)貧(pin)項(xiang)(xiang)(xiang)目(mu)(mu)辦(ban)理(li)時(shi)(shi)間(jian)，限(xian)時(shi)(shi)辦(ban)結(jie)。對(dui)(dui)(dui)各子公(gong)司、區縣公(gong)司上(shang)報的扶(fu)(fu)貧(pin)項(xiang)(xiang)(xiang)目(mu)(mu)，集團(tuan)(tuan)公(gong)司設立專(zhuan)門通道(dao)、召開專(zhuan)場(chang)評審會(hui)、制定專(zhuan)門流(liu)程(cheng)，提(ti)高支農扶(fu)(fu)貧(pin)項(xiang)(xiang)(xiang)目(mu)(mu)辦(ban)理(li)效(xiao)率。如(ru)石(shi)柱縣楓木(mu)項(xiang)(xiang)(xiang)目(mu)(mu)，從上(shang)報到辦(ban)結(jie)僅用三天時(shi)(shi)間(jian)。二是(shi)(shi)集團(tuan)(tuan)公(gong)司每(mei)年都要組織客(ke)(ke)戶(hu)回訪及(ji)客(ke)(ke)戶(hu)滿意度調查，對(dui)(dui)(dui)客(ke)(ke)戶(hu)提(ti)出的合理(li)要求(qiu)及(ji)建議不斷整改(gai)，如(ru)對(dui)(dui)(dui)中小微客(ke)(ke)戶(hu)采(cai)取表單式的服(fu)務，簡(jian)化了流(liu)程(cheng)、簡(jian)便了操作(zuo)。三是(shi)(shi)針對(dui)(dui)(dui)每(mei)一位客(ke)(ke)戶(hu)，進行(xing)(xing)綜合金(jin)融(rong)產品設計(ji)，不僅僅局限(xian)于(yu)融(rong)資(zi)(zi)(zi)擔保(bao)，同時(shi)(shi)包括做金(jin)融(rong)理(li)財、資(zi)(zi)(zi)產管(guan)理(li)、股權基金(jin)、咨詢及(ji)資(zi)(zi)(zi)產評估等(deng)綜合性金(jin)融(rong)服(fu)務。四是(shi)(shi)執(zhi)行(xing)(xing)差別(bie)化定價(jia)制度，對(dui)(dui)(dui)涉農項(xiang)(xiang)(xiang)目(mu)(mu)執(zhi)行(xing)(xing)不高于(yu)2%、扶(fu)(fu)貧(pin)項(xiang)(xiang)(xiang)目(mu)(mu)執(zhi)行(xing)(xing)不高于(yu)1%、對(dui)(dui)(dui)貧(pin)困戶(hu)免(mian)收(shou)擔保(bao)費(fei)的低(di)擔保(bao)費(fei)率政策，遠低(di)于(yu)商業擔保(bao)3%左(zuo)右的收(shou)費(fei)標(biao)準，讓“三農”切切實實地得到了實惠(hui)。同時(shi)(shi)，充分發揮“三農”與(yu)金(jin)融(rong)機構的橋梁(liang)紐帶作(zuo)用，加強與(yu)銀行(xing)(xing)等(deng)資(zi)(zi)(zi)金(jin)供給(gei)方(fang)溝通協調，有效(xiao)引導金(jin)融(rong)機構降低(di)“三農”融(rong)資(zi)(zi)(zi)成(cheng)本1-2個百分點。按此(ci)計(ji)算，僅酉(you)陽縣就節約(yue)融(rong)資(zi)(zi)(zi)成(cheng)本1000多萬(wan)元。
四、運用(yong)“組合拳”，打(da)(da)通金(jin)(jin)融(rong)扶(fu)(fu)貧(pin)“最(zui)后(hou)一(yi)公(gong)里”。興農(nong)(nong)(nong)擔(dan)(dan)保(bao)(bao)充分運用(yong)“1+26+5”傘形擔(dan)(dan)保(bao)(bao)體系(xi)優勢，縱向延(yan)伸服(fu)(fu)務(wu)(wu)(wu)觸(chu)角、橫(heng)向拓展(zhan)服(fu)(fu)務(wu)(wu)(wu)功(gong)能，綜合運用(yong)融(rong)資(zi)擔(dan)(dan)保(bao)(bao)、資(zi)產(chan)(chan)(chan)(chan)管理及(ji)(ji)無(wu)償(chang)捐贈“組合拳”真幫實(shi)扶(fu)(fu)。一(yi)是組建(jian)(jian)(jian)了(le)農(nong)(nong)(nong)村產(chan)(chan)(chan)(chan)權價(jia)值評估(gu)機(ji)構，率先建(jian)(jian)(jian)立了(le)“三權”資(zi)產(chan)(chan)(chan)(chan)評估(gu)標(biao)(biao)準(zhun)，有效(xiao)解決了(le)農(nong)(nong)(nong)村資(zi)產(chan)(chan)(chan)(chan)評估(gu)難、收費(fei)高(gao)、效(xiao)率低、技術標(biao)(biao)準(zhun)不(bu)統一(yi)、價(jia)值難以發現(xian)和認定等問題。截(jie)至今年(nian)9月底(di)(di)，累(lei)計涉(she)及(ji)(ji)“三權”資(zi)產(chan)(chan)(chan)(chan)評估(gu)342億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)，其(qi)中，流轉(zhuan)地(di)125億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)、宅基(ji)地(di)64億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)、生物(wu)資(zi)產(chan)(chan)(chan)(chan)30億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)、林權116.3億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)、農(nong)(nong)(nong)村房屋6.7億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)。二是搭(da)建(jian)(jian)(jian)了(le)農(nong)(nong)(nong)村不(bu)良資(zi)產(chan)(chan)(chan)(chan)收儲平臺。為(wei)有效(xiao)收儲、經(jing)營、管理和處置(zhi)農(nong)(nong)(nong)村不(bu)良資(zi)產(chan)(chan)(chan)(chan)，保(bao)(bao)障“三農(nong)(nong)(nong)”的合法(fa)權益，確(que)保(bao)(bao)涉(she)農(nong)(nong)(nong)擔(dan)(dan)保(bao)(bao)項(xiang)目(mu)持續經(jing)營奠定了(le)堅實(shi)的基(ji)礎。截(jie)至今年(nian)9月底(di)(di)，累(lei)計收儲不(bu)良資(zi)產(chan)(chan)(chan)(chan)1.8億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)。三是扎實(shi)推進易地(di)扶(fu)(fu)貧(pin)搬(ban)(ban)遷統承(cheng)統貸和高(gao)標(biao)(biao)準(zhun)農(nong)(nong)(nong)田(tian)建(jian)(jian)(jian)設工作。今年(nian)5月，全市首個(ge)高(gao)標(biao)(biao)準(zhun)農(nong)(nong)(nong)田(tian)建(jian)(jian)(jian)設融(rong)資(zi)擔(dan)(dan)保(bao)(bao)項(xiang)目(mu)正(zheng)式落(luo)地(di)。該項(xiang)目(mu)由興農(nong)(nong)(nong)擔(dan)(dan)保(bao)(bao)提(ti)(ti)供擔(dan)(dan)保(bao)(bao)，重慶銀(yin)行提(ti)(ti)供960萬貸款(kuan)，支持雙億(yi)(yi)(yi)農(nong)(nong)(nong)業綜合開發公(gong)司(si)連片(pian)打(da)(da)造5000畝高(gao)標(biao)(biao)準(zhun)農(nong)(nong)(nong)田(tian)，用(yong)于發展(zhan)木本(ben)油(you)料基(ji)地(di)。截(jie)至9月，集團公(gong)司(si)已(yi)(yi)承(cheng)接高(gao)山生態扶(fu)(fu)貧(pin)搬(ban)(ban)遷融(rong)資(zi)項(xiang)目(mu)資(zi)本(ben)金(jin)(jin)31.85億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)；已(yi)(yi)與國開行、農(nong)(nong)(nong)發行簽訂長期政(zheng)策性貸款(kuan)協(xie)議(yi)(yi)并取得整體授信87.5億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)；已(yi)(yi)實(shi)際籌集到位(wei)高(gao)山生態扶(fu)(fu)貧(pin)搬(ban)(ban)遷資(zi)金(jin)(jin)36.28億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)；已(yi)(yi)與13個(ge)區(qu)縣(xian)政(zheng)府、區(qu)縣(xian)實(shi)施主體簽訂《政(zheng)府購(gou)買服(fu)(fu)務(wu)(wu)(wu)協(xie)議(yi)(yi)》《資(zi)金(jin)(jin)使用(yong)協(xie)議(yi)(yi)》，已(yi)(yi)實(shi)際向16個(ge)區(qu)縣(xian)實(shi)施主體撥(bo)付到位(wei)搬(ban)(ban)遷資(zi)金(jin)(jin)35.45億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)。四是探索支持區(qu)縣(xian)公(gong)司(si)在重點鄉鎮、街(jie)道建(jian)(jian)(jian)立服(fu)(fu)務(wu)(wu)(wu)點，成功(gong)開發運營了(le)農(nong)(nong)(nong)戶(hu)線上投融(rong)資(zi)和農(nong)(nong)(nong)產(chan)(chan)(chan)(chan)品進城、農(nong)(nong)(nong)資(zi)及(ji)(ji)消費(fei)品下鄉電子(zi)商務(wu)(wu)(wu)系(xi)統，進一(yi)步組合好(hao)、運用(yong)好(hao)體系(xi)資(zi)源，打(da)(da)通城鄉金(jin)(jin)融(rong)服(fu)(fu)務(wu)(wu)(wu)“最(zui)后(hou)一(yi)公(gong)里”，全面提(ti)(ti)升農(nong)(nong)(nong)村金(jin)(jin)融(rong)服(fu)(fu)務(wu)(wu)(wu)效(xiao)率和質量。