文章來源：四川省國資(zi)委 發(fa)布時間(jian)：2021-12-21
為創新金(jin)融(rong)(rong)(rong)服務模式，補齊(qi)發(fa)展短板，破解四(si)川省甘(gan)(gan)孜州內(nei)小微企業和“三農”業“融(rong)(rong)(rong)資(zi)難、融(rong)(rong)(rong)資(zi)貴、融(rong)(rong)(rong)資(zi)渠道少(shao)”的難題，甘(gan)(gan)孜州通過“完(wan)善+強化(hua)+創新”有效整合金(jin)融(rong)(rong)(rong)資(zi)源，建立完(wan)善地(di)方金(jin)融(rong)(rong)(rong)投融(rong)(rong)(rong)資(zi)服務體系，帶動(dong)地(di)方經(jing)濟(ji)壯大(da)，促進民族地(di)區經(jing)濟(ji)協調發(fa)展。
完善金融服務體系，籌建“新高地”企業
牢固(gu)樹立“抓創新(xin)就是(shi)(shi)抓發(fa)(fa)展(zhan)，謀創新(xin)就是(shi)(shi)謀未來”的(de)理(li)念，突出“做強(qiang)一(yi)個平(ping)臺(tai)、打造兩個核心，形成(cheng)‘金融(rong)+’多層次、多功能(neng)”的(de)戰(zhan)略(lve)思路(lu)，建立健全(quan)金融(rong)服務(wu)(wu)體(ti)系。一(yi)是(shi)(shi)完(wan)善創新(xin)服務(wu)(wu)模式。按照“搭建平(ping)臺(tai)、整(zheng)合(he)資(zi)源、金融(rong)創新(xin)、服務(wu)(wu)企(qi)業(ye)(ye)”原則，組(zu)建甘孜(zi)州金控(kong)投資(zi)融(rong)資(zi)公(gong)(gong)司(si)，下設州中小企(qi)業(ye)(ye)融(rong)資(zi)擔(dan)(dan)保(bao)公(gong)(gong)司(si)、州惠民資(zi)產管理(li)公(gong)(gong)司(si)、州迅(xun)捷融(rong)資(zi)咨詢服務(wu)(wu)公(gong)(gong)司(si)等(deng)(deng)5家子企(qi)業(ye)(ye)，對其進(jin)行扁(bian)平(ping)化管理(li)，實行分(fen)級獨(du)立核算、自(zi)(zi)負(fu)盈虧、自(zi)(zi)主經營、自(zi)(zi)擔(dan)(dan)風(feng)險，根據職能(neng)定(ding)位(wei)，為(wei)甘孜(zi)州經濟發(fa)(fa)展(zhan)提供全(quan)方位(wei)的(de)金融(rong)支持。通過加強(qiang)業(ye)(ye)務(wu)(wu)協(xie)同(tong)與(yu)資(zi)源共享(xiang)，運用市場化手段，“投、保(bao)、租、擔(dan)(dan)”等(deng)(deng)體(ti)系化金融(rong)服務(wu)(wu)，作為(wei)甘孜(zi)州產業(ye)(ye)發(fa)(fa)展(zhan)服務(wu)(wu)的(de)金融(rong)體(ti)系的(de)有力(li)補(bu)充。二是(shi)(shi)持續(xu)深化改革攻(gong)堅。推進(jin)三(san)項制度改革，優(you)化公(gong)(gong)司(si)組(zu)織(zhi)架構、薪酬考核、管控(kong)體(ti)系，通過機構重(zhong)組(zu)、崗位(wei)重(zhong)設，不(bu)斷激發(fa)(fa)企(qi)業(ye)(ye)內(nei)生動力(li)、發(fa)(fa)展(zhan)活力(li)。積(ji)極參股(gu)(gu)、入股(gu)(gu)民營企(qi)業(ye)(ye)，穩妥推進(jin)混合(he)所有制改革，在(zai)建筑(zhu)(zhu)、汽車銷售、互聯網金融(rong)等(deng)(deng)領域放大國有資(zi)本。三(san)是(shi)(shi)做好風(feng)險防控(kong)。針對違(wei)約、代償(chang)、壞賬等(deng)(deng)風(feng)險加速顯現，經營風(feng)險日益加劇等(deng)(deng)實際，始終把風(feng)險控(kong)制擺在(zai)業(ye)(ye)務(wu)(wu)發(fa)(fa)展(zhan)首位(wei)，成(cheng)立風(feng)險管理(li)委員會，嚴格執行“三(san)重(zhong)一(yi)大”決策(ce)機制，健全(quan)風(feng)險防控(kong)體(ti)系，制定(ding)《擔(dan)(dan)保(bao)貸款操(cao)作規程》、《全(quan)面風(feng)險管理(li)辦法》、《風(feng)險分(fen)類管理(li)辦法》等(deng)(deng)規章制度10余個，縱深推進(jin)風(feng)險管控(kong)，切實筑(zhu)(zhu)牢生產經營“防火墻”。
強化融資擔保服務，發揮“孵化器”功能
充分(fen)發揮融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)、擔(dan)保(bao)(bao)等(deng)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)務(wu)優(you)勢，在(zai)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)額(e)度、風險(xian)防控(kong)、深(shen)化(hua)改革等(deng)方面下(xia)功(gong)夫、做文(wen)章、求突破，打(da)造“甘(gan)孜(zi)(zi)(zi)金(jin)(jin)控(kong)”品牌，截(jie)至目(mu)前(qian)，甘(gan)孜(zi)(zi)(zi)州擔(dan)保(bao)(bao)放(fang)大倍(bei)數高于四(si)川省(sheng)平(ping)均水平(ping)0.8倍(bei)(四(si)川省(sheng)平(ping)均放(fang)大2.31倍(bei)，甘(gan)孜(zi)(zi)(zi)州放(fang)大3.1倍(bei)），擔(dan)保(bao)(bao)費(fei)低(di)于四(si)川省(sheng)平(ping)均水平(ping)近7個百分(fen)點，代償率始(shi)終控(kong)制在(zai)2%以內，各項業(ye)(ye)務(wu)指標位居四(si)川前(qian)列。一是(shi)豐富金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)產品。甘(gan)孜(zi)(zi)(zi)州擔(dan)保(bao)(bao)業(ye)(ye)務(wu)涵蓋投資(zi)(zi)(zi)、融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)、融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)保(bao)(bao)、非融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)保(bao)(bao)、資(zi)(zi)(zi)產管理(li)、咨詢服(fu)務(wu)、涉農(nong)(nong)項目(mu)、貿易、建(jian)筑(zhu)、工程管理(li)等(deng)。現已(yi)累計(ji)(ji)(ji)為19633戶(hu)中小(xiao)(xiao)企(qi)業(ye)(ye)、個體工商(shang)戶(hu)等(deng)提供貸(dai)款擔(dan)保(bao)(bao)15.05億(yi)(yi)元(yuan)(yuan)；為56戶(hu)建(jian)筑(zhu)企(qi)業(ye)(ye)提供履約擔(dan)保(bao)(bao)135筆(bi)、12871.05萬元(yuan)(yuan)；為160多家(jia)(jia)農(nong)(nong)村(cun)合作(zuo)社、小(xiao)(xiao)微企(qi)業(ye)(ye)等(deng)開展(zhan)財務(wu)、法律(lv)等(deng)業(ye)(ye)務(wu)培訓500多人次，開展(zhan)代理(li)會計(ji)(ji)(ji)記賬、代辦工商(shang)稅務(wu)手續等(deng)業(ye)(ye)務(wu)300多筆(bi)。二是(shi)籌(chou)建(jian)村(cun)鎮(zhen)銀(yin)行。積極(ji)爭取相關政策(ce)，籌(chou)建(jian)四(si)川藏區首家(jia)(jia)村(cun)鎮(zhen)銀(yin)行，完善甘(gan)孜(zi)(zi)(zi)州農(nong)(nong)村(cun)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)體系。目(mu)前(qian)前(qian)期(qi)各項準備工作(zuo)已(yi)完成，待條件成熟(shu)時，加速推進組建(jian)工作(zuo)，有(you)(you)效(xiao)(xiao)(xiao)解決農(nong)(nong)村(cun)地區金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機構覆蓋率低(di)、金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)供給不足、競爭不充分(fen)、服(fu)務(wu)缺位等(deng)“金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)抑制”問題(ti)。三是(shi)全力扶持中小(xiao)(xiao)企(qi)業(ye)(ye)。截(jie)至目(mu)前(qian)，累計(ji)(ji)(ji)為40多家(jia)(jia)小(xiao)(xiao)微企(qi)業(ye)(ye)提供擔(dan)保(bao)(bao)1.7億(yi)(yi)元(yuan)(yuan)，融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)金(jin)(jin)額(e)3.5億(yi)(yi)元(yuan)(yuan)，有(you)(you)效(xiao)(xiao)(xiao)解決“融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)難、融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)貴”問題(ti)。通過強化(hua)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)(zi)擔(dan)保(bao)(bao)及(ji)保(bao)(bao)后監管服(fu)務(wu)，發揮“孵(fu)化(hua)器”功(gong)能，康定(ding)市達折(zhe)渚生態農(nong)(nong)畜產品開發有(you)(you)限公司和甘(gan)孜(zi)(zi)(zi)州三祥農(nong)(nong)牧科(ke)技有(you)(you)限公司兩家(jia)(jia)企(qi)業(ye)(ye)在(zai)天府股交中心(xin)新四(si)版(ban)成功(gong)掛牌，有(you)(you)效(xiao)(xiao)(xiao)提升了企(qi)業(ye)(ye)價(jia)值(zhi)，實現財富增值(zhi)。
創新多元產品模式，探索“新態勢”產業
牢固樹立(li)“抓(zhua)創(chuang)新(xin)就(jiu)(jiu)是抓(zhua)發(fa)(fa)展(zhan)，謀創(chuang)新(xin)就(jiu)(jiu)是謀未來(lai)”理(li)念，突出“做強(qiang)一個(ge)平(ping)(ping)臺(tai)(tai)、打(da)造兩個(ge)核心(xin)，形(xing)成‘金(jin)(jin)(jin)(jin)(jin)融+’多(duo)層次、多(duo)功能”戰略思路，積(ji)極探索新(xin)形(xing)勢下金(jin)(jin)(jin)(jin)(jin)融服務產(chan)(chan)業(ye)。一是承接(jie)易地(di)扶貧搬遷。主動(dong)承接(jie)異地(di)扶貧貸(dai)(dai)款(kuan)(kuan)資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)15.05億元(yuan)(yuan)，全(quan)額(e)劃轉(zhuan)至(zhi)各縣（市），助(zhu)(zhu)(zhu)推脫貧攻堅(jian)；采取政(zheng)府、銀(yin)行(xing)(xing)、擔(dan)保(bao)(bao)公司“334”風險(xian)分(fen)擔(dan)模(mo)式，新(xin)增鄉(xiang)村振(zhen)興產(chan)(chan)業(ye)貸(dai)(dai)款(kuan)(kuan)擔(dan)保(bao)(bao)15戶(hu)、2145萬(wan)元(yuan)(yuan)，助(zhu)(zhu)(zhu)力鄉(xiang)村振(zhen)興；獲得擔(dan)保(bao)(bao)支(zhi)持的(de)(de)中(zhong)(zhong)小(xiao)微企(qi)(qi)業(ye)及“三農”客戶(hu)創(chuang)造稅收2.15億元(yuan)(yuan)、間接(jie)帶動(dong)就(jiu)(jiu)業(ye)21000余(yu)人(ren)，助(zhu)(zhu)(zhu)力社會(hui)穩定；為(wei)州(zhou)(zhou)內28戶(hu)中(zhong)(zhong)小(xiao)微企(qi)(qi)業(ye)提(ti)供融資(zi)(zi)咨(zi)詢、幫助(zhu)(zhu)(zhu)貸(dai)(dai)款(kuan)(kuan)10214萬(wan)元(yuan)(yuan)，50多(duo)家農村合(he)作(zuo)(zuo)社和中(zhong)(zhong)小(xiao)微企(qi)(qi)業(ye)開(kai)展(zhan)財(cai)務、金(jin)(jin)(jin)(jin)(jin)融業(ye)務等孵化培訓達(da)100余(yu)人(ren)次，助(zhu)(zhu)(zhu)力市場培育。二是運(yun)作(zuo)(zuo)“兩資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)”項(xiang)(xiang)(xiang)目。設(she)立(li)風險(xian)補(bu)償金(jin)(jin)(jin)(jin)(jin)和應急(ji)轉(zhuan)貸(dai)(dai)金(jin)(jin)(jin)(jin)(jin)，擬定“兩資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)”方案及細則、銀(yin)行(xing)(xing)比選方案和評分(fen)表、銀(yin)行(xing)(xing)托管(guan)協議、業(ye)務操(cao)作(zuo)(zuo)規(gui)程、風險(xian)管(guan)理(li)制(zhi)度；完成數(shu)據庫建立(li)、資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)專(zhuan)項(xiang)(xiang)(xiang)賬戶(hu)開(kai)立(li)和資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)劃轉(zhuan)工作(zuo)(zuo)，實(shi)現(xian)“兩資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)”實(shi)質運(yun)作(zuo)(zuo)，截(jie)至(zhi)目前(qian)，累(lei)(lei)計發(fa)(fa)放應急(ji)轉(zhuan)貸(dai)(dai)資(zi)(zi)金(jin)(jin)(jin)(jin)(jin)7筆，共(gong)計3286萬(wan)元(yuan)(yuan)；累(lei)(lei)計發(fa)(fa)放風險(xian)補(bu)償金(jin)(jin)(jin)(jin)(jin)2筆，共(gong)計1000萬(wan)元(yuan)(yuan)。三是開(kai)展(zhan)小(xiao)微企(qi)(qi)業(ye)“戰疫(yi)(yi)(yi)貸(dai)(dai)”。通過“幾家抬”引(yin)(yin)導(dao)實(shi)現(xian)疫(yi)(yi)(yi)情防控(kong)重點企(qi)(qi)業(ye)及疫(yi)(yi)(yi)情防控(kong)期(qi)間中(zhong)(zhong)小(xiao)微企(qi)(qi)業(ye)和新(xin)型(xing)農業(ye)經營主體快速獲得貸(dai)(dai)款(kuan)(kuan)和融資(zi)(zi)成本大(da)幅(fu)下降。累(lei)(lei)計支(zhi)持中(zhong)(zhong)小(xiao)微企(qi)(qi)業(ye)和新(xin)型(xing)農業(ye)經營主體“戰疫(yi)(yi)(yi)貸(dai)(dai)”項(xiang)(xiang)(xiang)目擔(dan)保(bao)(bao)貸(dai)(dai)款(kuan)(kuan)14筆金(jin)(jin)(jin)(jin)(jin)額(e)8000余(yu)萬(wan)元(yuan)(yuan)。通過減免租金(jin)(jin)(jin)(jin)(jin)、減半(ban)收取擔(dan)保(bao)(bao)費用的(de)(de)惠(hui)企(qi)(qi)舉措支(zhi)持重點企(qi)(qi)業(ye)復工達(da)產(chan)(chan)、中(zhong)(zhong)小(xiao)企(qi)(qi)業(ye)持續發(fa)(fa)展(zhan)，合(he)力打(da)贏疫(yi)(yi)(yi)情防控(kong)阻擊戰。四是開(kai)發(fa)(fa)互金(jin)(jin)(jin)(jin)(jin)平(ping)(ping)臺(tai)(tai)“優信(xin)行(xing)(xing)”。依(yi)托互聯網(wang)技術手段、資(zi)(zi)本市場，堅(jian)持以市場為(wei)導(dao)向，以經濟效益(yi)為(wei)中(zhong)(zhong)心(xin)，組(zu)建甘(gan)孜州(zhou)(zhou)金(jin)(jin)(jin)(jin)(jin)控(kong)優信(xin)行(xing)(xing)互聯網(wang)信(xin)息服務有(you)限(xian)責任公司。切實(shi)增強(qiang)以資(zi)(zi)本運(yun)營為(wei)主的(de)(de)經營手段，運(yun)用現(xian)代經營管(guan)理(li)理(li)念，服務和解(jie)決廣(guang)大(da)人(ren)群、小(xiao)微企(qi)(qi)業(ye)融資(zi)(zi)難(nan)、融資(zi)(zi)貴等問(wen)題，規(gui)范民間借貸(dai)(dai)，引(yin)(yin)導(dao)寺(si)廟(miao)金(jin)(jin)(jin)(jin)(jin)融轉(zhuan)向合(he)法的(de)(de)市場經濟。
【責任編輯：語謙】