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為推動(dong)鄉村(cun)振興(xing)，實(shi)現(xian)農(nong)(nong)業農(nong)(nong)村(cun)持續良好發(fa)展(zhan)，江蘇(su)(su)省(sheng)(sheng)(sheng)農(nong)(nong)村(cun)信用(yong)社聯合(he)社（簡稱(cheng)：江蘇(su)(su)省(sheng)(sheng)(sheng)聯社）引導全(quan)省(sheng)(sheng)(sheng)農(nong)(nong)商(shang)行(xing)堅(jian)守(shou)“三(san)農(nong)(nong)”市場定位，完善(shan)農(nong)(nong)村(cun)地區基礎金(jin)融(rong)服(fu)務，改進重點領(ling)域金(jin)融(rong)服(fu)務，不斷提高普(pu)惠金(jin)融(rong)服(fu)務的(de)覆蓋(gai)率、可得性和滿意(yi)度。至2018年末(mo)，江蘇(su)(su)省(sheng)(sheng)(sheng)農(nong)(nong)商(shang)行(xing)涉農(nong)(nong)貸款(kuan)(kuan)余(yu)額6993.1億(yi)元，比年初增(zeng)加622.2億(yi)元，增(zeng)幅9.8%。江蘇(su)(su)省(sheng)(sheng)(sheng)農(nong)(nong)商(shang)行(xing)用(yong)占全(quan)省(sheng)(sheng)(sheng)同業14.6%的(de)存款(kuan)(kuan)份額，發(fa)放了占全(quan)省(sheng)(sheng)(sheng)21.6%的(de)涉農(nong)(nong)貸款(kuan)(kuan)、49.2%的(de)農(nong)(nong)戶貸款(kuan)(kuan)、100%的(de)扶貧貸款(kuan)(kuan)，有效(xiao)發(fa)揮了支(zhi)農(nong)(nong)主力(li)軍(jun)作用(yong)。

強化行業規劃引領，讓信貸服務向農村延伸

江(jiang)蘇(su)(su)省(sheng)聯社研究(jiu)制定全(quan)系(xi)統(tong)三(san)年發(fa)(fa)展(zhan)戰略規劃(hua)，指(zhi)導農(nong)(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)把握好服(fu)(fu)(fu)務“三(san)農(nong)(nong)(nong)(nong)(nong)(nong)”定位(wei)與(yu)方(fang)向，進一步(bu)(bu)明晰市場戰略和工作(zuo)重點(dian)，引導農(nong)(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)全(quan)力服(fu)(fu)(fu)務農(nong)(nong)(nong)(nong)(nong)(nong)業供給側改(gai)革(ge)，持續加(jia)大(da)涉(she)(she)農(nong)(nong)(nong)(nong)(nong)(nong)新業態新動(dong)能信(xin)(xin)(xin)貸投(tou)放，將授(shou)(shou)信(xin)(xin)(xin)重點(dian)逐(zhu)步(bu)(bu)向農(nong)(nong)(nong)(nong)(nong)(nong)村新型經營主體、小(xiao)(xiao)微企(qi)業延(yan)伸，積(ji)(ji)極打造支農(nong)(nong)(nong)(nong)(nong)(nong)支小(xiao)(xiao)“綠色通道”。督促江(jiang)蘇(su)(su)農(nong)(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)圍(wei)繞(rao)農(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)建(jian)檔100%的(de)(de)目標(biao)，扎實(shi)推進走訪建(jian)檔工作(zuo)，提質(zhi)升級“陽光信(xin)(xin)(xin)貸”平臺，充(chong)分利(li)用預評級、預授(shou)(shou)信(xin)(xin)(xin)等功能，提高農(nong)(nong)(nong)(nong)(nong)(nong)村客戶(hu)(hu)授(shou)(shou)信(xin)(xin)(xin)效率，增強普惠金融服(fu)(fu)(fu)務供給，努力解決與(yu)農(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)信(xin)(xin)(xin)息(xi)不(bu)對(dui)(dui)稱(cheng)難(nan)題。同時，連續多年在江(jiang)蘇(su)(su)農(nong)(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)開展(zhan)服(fu)(fu)(fu)務“三(san)農(nong)(nong)(nong)(nong)(nong)(nong)”、服(fu)(fu)(fu)務小(xiao)(xiao)微的(de)(de)勞動(dong)競賽(sai)。在對(dui)(dui)農(nong)(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)的(de)(de)考(kao)核(he)中(zhong)(zhong)大(da)幅提高涉(she)(she)農(nong)(nong)(nong)(nong)(nong)(nong)貸款投(tou)放相(xiang)關指(zhi)標(biao)權(quan)重，并把“支農(nong)(nong)(nong)(nong)(nong)(nong)支小(xiao)(xiao)”履職評價與(yu)農(nong)(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)高管選(xuan)人用人相(xiang)結合，各農(nong)(nong)(nong)(nong)(nong)(nong)商(shang)(shang)(shang)行(xing)也相(xiang)應制定了各具特(te)色的(de)(de)服(fu)(fu)(fu)務“三(san)農(nong)(nong)(nong)(nong)(nong)(nong)”考(kao)核(he)辦(ban)法，從而充(chong)分激發(fa)(fa)全(quan)系(xi)統(tong)服(fu)(fu)(fu)務“三(san)農(nong)(nong)(nong)(nong)(nong)(nong)”的(de)(de)積(ji)(ji)極性。至(zhi)2018年末，已完(wan)成農(nong)(nong)(nong)(nong)(nong)(nong)戶(hu)(hu)普惠建(jian)檔1189.3萬戶(hu)(hu)，通過“陽光信(xin)(xin)(xin)貸”對(dui)(dui)431.8萬個城鄉居民(min)(min)家(jia)庭授(shou)(shou)信(xin)(xin)(xin)5020.3億(yi)(yi)元，其中(zhong)(zhong)對(dui)(dui)404.9萬個農(nong)(nong)(nong)(nong)(nong)(nong)民(min)(min)家(jia)庭授(shou)(shou)信(xin)(xin)(xin)3417.3億(yi)(yi)元。依托圓鼎(ding)易貸通卡，大(da)力推廣手(shou)機自助貸業務，打造“線(xian)上(shang)申請、自動(dong)授(shou)(shou)信(xin)(xin)(xin)、余額控(kong)制、隨用隨貸”快速便捷的(de)(de)線(xian)上(shang)融資(zi)服(fu)(fu)(fu)務體驗，至(zhi)年末已用信(xin)(xin)(xin)72.1萬戶(hu)(hu)、1599.5億(yi)(yi)元。

專注主業優化配置，讓金融資源更聚焦農業

江(jiang)(jiang)蘇省(sheng)聯社(she)全力指導(dao)各(ge)農(nong)(nong)(nong)商行不(bu)斷(duan)優化(hua)資源(yuan)配(pei)置(zhi)，加(jia)(jia)大信(xin)(xin)貸(dai)(dai)(dai)支(zhi)(zhi)持力度，加(jia)(jia)大對高標準農(nong)(nong)(nong)田、高效節水農(nong)(nong)(nong)業(ye)、土地(di)(di)綜合(he)(he)整治等農(nong)(nong)(nong)業(ye)基礎領域的(de)服務力度，主(zhu)動支(zhi)(zhi)持設施農(nong)(nong)(nong)業(ye)開展(zhan)新(xin)機具、新(xin)技術推廣應用，找準信(xin)(xin)貸(dai)(dai)(dai)支(zhi)(zhi)持規模化(hua)、特色化(hua)、優勢化(hua)農(nong)(nong)(nong)業(ye)的(de)切入點。當年(nian)累計(ji)投(tou)放(fang)(fang)(fang)現代農(nong)(nong)(nong)業(ye)貸(dai)(dai)(dai)款(kuan)(kuan)95.7億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，其中發放(fang)(fang)(fang)規模糧(liang)食(shi)業(ye)貸(dai)(dai)(dai)款(kuan)(kuan)32.5億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，休閑農(nong)(nong)(nong)業(ye)貸(dai)(dai)(dai)款(kuan)(kuan)9.1億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，觀光農(nong)(nong)(nong)業(ye)貸(dai)(dai)(dai)款(kuan)(kuan)6.5億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，開放(fang)(fang)(fang)型農(nong)(nong)(nong)業(ye)貸(dai)(dai)(dai)款(kuan)(kuan)0.7億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)；當年(nian)累計(ji)投(tou)放(fang)(fang)(fang)各(ge)類新(xin)型農(nong)(nong)(nong)業(ye)經(jing)營主(zhu)體貸(dai)(dai)(dai)款(kuan)(kuan)320.2億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，其中發放(fang)(fang)(fang)農(nong)(nong)(nong)業(ye)龍頭企業(ye)貸(dai)(dai)(dai)款(kuan)(kuan)176.0億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，發放(fang)(fang)(fang)農(nong)(nong)(nong)村(cun)(cun)經(jing)營大戶(hu)(hu)貸(dai)(dai)(dai)款(kuan)(kuan)89.4億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，發放(fang)(fang)(fang)家(jia)(jia)庭農(nong)(nong)(nong)場貸(dai)(dai)(dai)款(kuan)(kuan)24.7億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，農(nong)(nong)(nong)民合(he)(he)作(zuo)(zuo)社(she)30.1億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)。指導(dao)和督(du)促(cu)相關農(nong)(nong)(nong)商行更加(jia)(jia)熟練、更加(jia)(jia)精準地(di)(di)抓好扶貧(pin)小額(e)貸(dai)(dai)(dai)款(kuan)(kuan)有序投(tou)放(fang)(fang)(fang)和規范管理，至2018年(nian)末(mo)，已對江(jiang)(jiang)蘇省(sheng)新(xin)一輪建(jian)檔立卡貧(pin)困農(nong)(nong)(nong)戶(hu)(hu)累計(ji)發放(fang)(fang)(fang)扶貧(pin)貼息(xi)小額(e)貸(dai)(dai)(dai)款(kuan)(kuan)22.5億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，惠及8.6萬個貧(pin)困農(nong)(nong)(nong)戶(hu)(hu)。有效盤活農(nong)(nong)(nong)村(cun)(cun)土地(di)(di)、房產資源(yuan)，開展(zhan)“兩(liang)權”抵(di)押貸(dai)(dai)(dai)款(kuan)(kuan)試點，年(nian)末(mo)江(jiang)(jiang)蘇12家(jia)(jia)試點農(nong)(nong)(nong)商行“兩(liang)權”抵(di)押貸(dai)(dai)(dai)款(kuan)(kuan)余額(e)28.8億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)、貸(dai)(dai)(dai)款(kuan)(kuan)戶(hu)(hu)數8019戶(hu)(hu)，比年(nian)初(chu)分別增(zeng)加(jia)(jia)12.7億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)、2941戶(hu)(hu)，貸(dai)(dai)(dai)款(kuan)(kuan)余額(e)增(zeng)長78%，高于(yu)各(ge)項(xiang)貸(dai)(dai)(dai)款(kuan)(kuan)增(zeng)幅63.4個百分點。深入探(tan)索創新(xin)涉農(nong)(nong)(nong)擔保(bao)，積極推進與江(jiang)(jiang)蘇省(sheng)農(nong)(nong)(nong)業(ye)信(xin)(xin)貸(dai)(dai)(dai)擔保(bao)公司的(de)戰略(lve)合(he)(he)作(zuo)(zuo)，年(nian)末(mo)，在保(bao)余額(e)13.8億(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，占江(jiang)(jiang)蘇省(sheng)各(ge)金融機構(gou)合(he)(he)作(zuo)(zuo)在保(bao)總額(e)的(de)41.3%，位(wei)列(lie)江(jiang)(jiang)蘇省(sheng)同(tong)業(ye)第一。

完善網絡渠道建設，讓普惠金融向農民靠近

江蘇省(sheng)(sheng)聯社指(zhi)導和(he)督促各家農(nong)(nong)(nong)商(shang)(shang)行(xing)把完(wan)善普惠(hui)金(jin)融(rong)服(fu)務(wu)網(wang)絡和(he)渠道作為(wei)發(fa)展(zhan)普惠(hui)金(jin)融(rong)、精耕細(xi)作農(nong)(nong)(nong)村(cun)市場的基礎優(you)先(xian)工(gong)作來抓，著力在提(ti)(ti)高(gao)網(wang)點(dian)(dian)覆蓋(gai)面、優(you)化(hua)網(wang)點(dian)(dian)布(bu)局、強(qiang)化(hua)網(wang)點(dian)(dian)功能(neng)配套(tao)、提(ti)(ti)升網(wang)點(dian)(dian)服(fu)務(wu)水平等(deng)方面狠下功夫，加快離(li)行(xing)式(shi)自(zi)助銀行(xing)、離(li)行(xing)式(shi)ATM機的布(bu)點(dian)(dian)建設進度，為(wei)客(ke)(ke)戶(hu)提(ti)(ti)供高(gao)效快捷、智(zhi)能(neng)化(hua)服(fu)務(wu)。目前，江蘇省(sheng)(sheng)62家農(nong)(nong)(nong)商(shang)(shang)行(xing)3183個物理網(wang)點(dian)(dian)覆蓋(gai)了(le)全(quan)(quan)部縣域(yu)與鄉鎮(zhen)，代(dai)理農(nong)(nong)(nong)業(ye)、民政(zheng)、衛(wei)生(sheng)、社會保障、計生(sheng)、教育、村(cun)級、保險等(deng)方面130項財(cai)政(zheng)補(bu)貼的發(fa)放工(gong)作，全(quan)(quan)年累計代(dai)發(fa)涉農(nong)(nong)(nong)補(bu)貼金(jin)額199.44億元(yuan)，累計代(dai)收新農(nong)(nong)(nong)合保費(fei)(fei)3.07億元(yuan)，代(dai)發(fa)9.12億元(yuan)，惠(hui)及(ji)江蘇省(sheng)(sheng)所有農(nong)(nong)(nong)戶(hu)。優(you)化(hua)調整“村(cun)村(cun)通(tong)”特約商(shang)(shang)戶(hu)發(fa)展(zhan)布(bu)局，1.99萬特約商(shang)(shang)戶(hu)覆蓋(gai)了(le)江蘇省(sheng)(sheng)所有行(xing)政(zheng)村(cun)，有效滿足了(le)農(nong)(nong)(nong)村(cun)客(ke)(ke)戶(hu)日常(chang)金(jin)融(rong)服(fu)務(wu)需求。目前，“村(cun)村(cun)通(tong)”平臺除提(ti)(ti)供查詢、取款、消費(fei)(fei)、轉(zhuan)賬等(deng)基礎金(jin)融(rong)服(fu)務(wu)功能(neng)外，還疊加了(le)一系列關系民生(sheng)的特色(se)業(ye)務(wu)功能(neng)：51家農(nong)(nong)(nong)商(shang)(shang)行(xing)推出(chu)了(le)水費(fei)(fei)繳(jiao)費(fei)(fei)業(ye)務(wu)；16家農(nong)(nong)(nong)商(shang)(shang)行(xing)推出(chu)了(le)燃氣費(fei)(fei)繳(jiao)費(fei)(fei)業(ye)務(wu)；28家農(nong)(nong)(nong)商(shang)(shang)行(xing)推出(chu)了(le)新農(nong)(nong)(nong)保繳(jiao)費(fei)(fei)業(ye)務(wu)；33家農(nong)(nong)(nong)商(shang)(shang)行(xing)推出(chu)了(le)有線電(dian)(dian)視(shi)繳(jiao)費(fei)(fei)業(ye)務(wu)；54家農(nong)(nong)(nong)商(shang)(shang)行(xing)推出(chu)了(le)電(dian)(dian)費(fei)(fei)、電(dian)(dian)信話費(fei)(fei)、移動話費(fei)(fei)繳(jiao)費(fei)(fei)業(ye)務(wu)。“村(cun)村(cun)通(tong)”平臺全(quan)(quan)年累計辦理交易筆數2254.55萬筆、金(jin)額261.02億元(yuan)。

持續推進產品創新，讓金融服務更具質感

江蘇省聯社加強(qiang)科技(ji)創新整體(ti)(ti)(ti)規劃和(he)頂(ding)層設計(ji)，重點加強(qiang)互聯網+、大數據應(ying)用、智慧(hui)銀(yin)行(xing)建(jian)設等，著力支(zhi)持農(nong)商行(xing)在業(ye)務(wu)(wu)、服(fu)務(wu)(wu)、產品及技(ji)術等方面的(de)移(yi)動(dong)互聯網化升(sheng)級，以移(yi)動(dong)端為(wei)載體(ti)(ti)(ti)，推進(jin)線(xian)(xian)下業(ye)務(wu)(wu)線(xian)(xian)上遷移(yi)，借助科技(ji)手段推進(jin)便民惠(hui)民服(fu)務(wu)(wu)，逐步將各類(lei)生活場(chang)景(jing)應(ying)用到手機銀(yin)行(xing)、微(wei)信銀(yin)行(xing)，豐(feng)富(fu)多元化的(de)移(yi)動(dong)支(zhi)付場(chang)景(jing)，實現主流支(zhi)付渠道全覆蓋、主要業(ye)務(wu)(wu)場(chang)景(jing)全覆蓋，打(da)造立體(ti)(ti)(ti)流暢(chang)的(de)移(yi)動(dong)金(jin)融服(fu)務(wu)(wu)體(ti)(ti)(ti)驗(yan)，至年末(mo)，累計(ji)開通(tong)物業(ye)費、學費等19類(lei)繳費，簽約(yue)移(yi)動(dong)支(zhi)付客戶2259.74萬戶，較年初增長57%。督(du)促江蘇省農(nong)商行(xing)配(pei)合(he)做好(hao)社保(bao)卡(ka)發放和(he)激活工(gong)作，2018年，合(he)作發行(xing)社會保(bao)障卡(ka)3549.77萬張，占(zhan)江蘇省發卡(ka)總量的(de)一半以上。主動(dong)對(dui)接政府(fu)需求，繼續全力代(dai)(dai)理好(hao)城鎮(zhen)職(zhi)工(gong)養(yang)老(lao)保(bao)險(xian)、新型城鄉(xiang)居(ju)民醫(yi)療保(bao)險(xian)，全年累計(ji)代(dai)(dai)收城鄉(xiang)居(ju)民新型養(yang)老(lao)保(bao)險(xian)費43.21億(yi)(yi)元，代(dai)(dai)發87.85億(yi)(yi)元；累計(ji)代(dai)(dai)收城鎮(zhen)職(zhi)工(gong)養(yang)老(lao)保(bao)險(xian)費72.41億(yi)(yi)元，代(dai)(dai)發141.77億(yi)(yi)元。目前江蘇農(nong)商行(xing)代(dai)(dai)理城鄉(xiang)居(ju)保(bao)和(he)養(yang)老(lao)份額(e)占(zhan)全省60%以上。引導農(nong)商行(xing)積極融入鄉(xiang)村社會治理，持續推動(dong)江蘇省村級集體(ti)(ti)(ti)資(zi)金(jin)管理服(fu)務(wu)(wu)和(he)“三資(zi)”陽光監(jian)管平臺建(jian)設，至年末(mo)，江蘇省有19家農(nong)商行(xing)完成系統上線(xian)(xian)，服(fu)務(wu)(wu)管理村級賬戶1798個，歸集監(jian)管資(zi)金(jin)33.9億(yi)(yi)元。

【責任編輯：王鈺】