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　　近年來，廣(guang)西(xi)農(nong)(nong)信社把(ba)解決農(nong)(nong)民(min)工(gong)貸款(kuan)難問(wen)題當作服(fu)務“三農(nong)(nong)”工(gong)作的主線之一，堅持把(ba)支持返鄉農(nong)(nong)民(min)工(gong)就(jiu)業(ye)(ye)(ye)創(chuang)業(ye)(ye)(ye)作為(wei)保(bao)(bao)增長(chang)、保(bao)(bao)穩(wen)定的主要抓手，積極為(wei)返鄉農(nong)(nong)民(min)創(chuang)業(ye)(ye)(ye)、就(jiu)業(ye)(ye)(ye)提供優質高效的金融服(fu)務和信貸支持。近3年來，累計發放農(nong)(nong)民(min)工(gong)創(chuang)業(ye)(ye)(ye)貸款(kuan)326億元(yuan)。

　　以(yi)農(nong)(nong)(nong)戶(hu)小(xiao)額(e)(e)信用(yong)貸(dai)款(kuan)和農(nong)(nong)(nong)戶(hu)聯保貸(dai)款(kuan)業(ye)(ye)(ye)(ye)(ye)務為抓手，搭建農(nong)(nong)(nong)民(min)(min)(min)工(gong)(gong)金融(rong)服務平臺。將農(nong)(nong)(nong)戶(hu)小(xiao)額(e)(e)信用(yong)貸(dai)款(kuan)額(e)(e)度從(cong)原來的(de)1-2萬(wan)元(yuan)提高(gao)到最高(gao)5萬(wan)元(yuan)，部分個體工(gong)(gong)商業(ye)(ye)(ye)(ye)(ye)較發達或農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)產業(ye)(ye)(ye)(ye)(ye)化程度較高(gao)的(de)縣域調整到15萬(wan)元(yuan)，滿足了農(nong)(nong)(nong)村(cun)種養(yang)(yang)(yang)大(da)(da)戶(hu)等農(nong)(nong)(nong)民(min)(min)(min)創業(ye)(ye)(ye)(ye)(ye)的(de)金融(rong)服務需求(qiu)。在支(zhi)持(chi)傳(chuan)統種養(yang)(yang)(yang)業(ye)(ye)(ye)(ye)(ye)的(de)基礎上，將服務對(dui)象從(cong)單純的(de)從(cong)事家庭(ting)式種養(yang)(yang)(yang)農(nong)(nong)(nong)戶(hu)擴(kuo)(kuo)大(da)(da)到農(nong)(nong)(nong)村(cun)多(duo)種經(jing)營戶(hu)、個體工(gong)(gong)商戶(hu)、農(nong)(nong)(nong)民(min)(min)(min)專(zhuan)業(ye)(ye)(ye)(ye)(ye)合作社以(yi)及農(nong)(nong)(nong)村(cun)小(xiao)企業(ye)(ye)(ye)(ye)(ye)。同時，將小(xiao)額(e)(e)貸(dai)款(kuan)用(yong)途從(cong)單純支(zhi)持(chi)種植、養(yang)(yang)(yang)殖等農(nong)(nong)(nong)業(ye)(ye)(ye)(ye)(ye)生產擴(kuo)(kuo)大(da)(da)到農(nong)(nong)(nong)產品加(jia)工(gong)(gong)、運輸、流(liu)通、貿(mao)易等各(ge)環節(jie)融(rong)資需求(qiu)，支(zhi)持(chi)農(nong)(nong)(nong)民(min)(min)(min)工(gong)(gong)多(duo)行業(ye)(ye)(ye)(ye)(ye)、多(duo)途徑創業(ye)(ye)(ye)(ye)(ye)。另外(wai)，實行優(you)惠利(li)率，切實減輕農(nong)(nong)(nong)民(min)(min)(min)負擔，對(dui)從(cong)事商業(ye)(ye)(ye)(ye)(ye)經(jing)營、旅游消費(fei)的(de)農(nong)(nong)(nong)戶(hu)貸(dai)款(kuan)利(li)率上浮(fu)幅度不得(de)超(chao)過20%，種植養(yang)(yang)(yang)殖等生產性的(de)農(nong)(nong)(nong)戶(hu)貸(dai)款(kuan)利(li)率上浮(fu)幅度不得(de)超(chao)過10%的(de)優(you)惠利(li)率，最大(da)(da)限度減輕廣(guang)大(da)(da)農(nong)(nong)(nong)民(min)(min)(min)工(gong)(gong)創業(ye)(ye)(ye)(ye)(ye)成本。2014年又取(qu)消銀行卡異(yi)地取(qu)款(kuan)手續費(fei)，年讓利(li)額(e)(e)將達到1.6億元(yuan)，有(you)效減輕了農(nong)(nong)(nong)民(min)(min)(min)工(gong)(gong)負擔。

　　支(zhi)持涉(she)農(nong)(nong)(nong)(nong)企業(ye)(ye)(ye)和農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)產(chan)(chan)業(ye)(ye)(ye)化(hua)龍頭企業(ye)(ye)(ye)發展，吸引更多返(fan)鄉(xiang)農(nong)(nong)(nong)(nong)民(min)工(gong)創業(ye)(ye)(ye)就業(ye)(ye)(ye)。加大對農(nong)(nong)(nong)(nong)村產(chan)(chan)業(ye)(ye)(ye)化(hua)龍頭企業(ye)(ye)(ye)的(de)(de)資(zi)金支(zhi)持力度，推廣(guang)“公(gong)司(si)+基地+農(nong)(nong)(nong)(nong)戶(hu)”、“公(gong)司(si)+農(nong)(nong)(nong)(nong)民(min)專(zhuan)業(ye)(ye)(ye)合作(zuo)社+農(nong)(nong)(nong)(nong)戶(hu)”的(de)(de)貸(dai)款(kuan)模(mo)式，吸引大量的(de)(de)返(fan)鄉(xiang)農(nong)(nong)(nong)(nong)民(min)工(gong)加入到(dao)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)產(chan)(chan)業(ye)(ye)(ye)化(hua)的(de)(de)鏈條中(zhong)(zhong)，促進農(nong)(nong)(nong)(nong)民(min)工(gong)就地就近就業(ye)(ye)(ye)創業(ye)(ye)(ye)。2013年，該社累計向桑蠶、制糖、酒精(jing)、淀粉、茉莉(li)花、松脂等我區優(you)勢產(chan)(chan)業(ye)(ye)(ye)發放貸(dai)款(kuan)204.97億元，直接從中(zhong)(zhong)受益(yi)的(de)(de)農(nong)(nong)(nong)(nong)戶(hu)超過230萬戶(hu)，吸引50多萬返(fan)鄉(xiang)農(nong)(nong)(nong)(nong)民(min)工(gong)加入規模(mo)化(hua)的(de)(de)種(zhong)養業(ye)(ye)(ye)。

　　創(chuang)新金(jin)(jin)(jin)融產品，給廣(guang)(guang)大農民(min)(min)工(gong)創(chuang)業(ye)提供金(jin)(jin)(jin)融服務便利。針對(dui)農民(min)(min)工(gong)貸(dai)(dai)款(kuan)抵(di)(di)押(ya)(ya)難問(wen)題，推出了(le)林(lin)權(quan)抵(di)(di)押(ya)(ya)貸(dai)(dai)款(kuan)、動產抵(di)(di)押(ya)(ya)貸(dai)(dai)款(kuan)、土地承包經營(ying)權(quan)質押(ya)(ya)貸(dai)(dai)款(kuan)等信貸(dai)(dai)品種，有(you)效滿足(zu)了(le)農村(cun)多(duo)元化的(de)金(jin)(jin)(jin)融服務需(xu)求。同(tong)時，根據農村(cun)經濟發展(zhan)需(xu)要，2013年在(zai)隆安、南寧市(shi)區、武鳴三縣推出了(le)“金(jin)(jin)(jin)香蕉(jiao)”助(zhu)業(ye)貸(dai)(dai)款(kuan)，在(zai)百色市(shi)推廣(guang)(guang)田七(qi)貸(dai)(dai)款(kuan)，在(zai)龍(long)州(zhou)、憑祥、靖西等邊境縣開展(zhan)邊民(min)(min)貸(dai)(dai)款(kuan)業(ye)務等，2013年累(lei)計發放“金(jin)(jin)(jin)香蕉(jiao)”助(zhu)業(ye)貸(dai)(dai)款(kuan)1.5億元，田七(qi)貸(dai)(dai)款(kuan)8100萬(wan)元。加強與有(you)關部(bu)門合作(zuo)，與地方組織部(bu)門、地方團委、婦聯(lian)等部(bu)門合作(zuo)推出黨員信貸(dai)(dai)、青(qing)年創(chuang)業(ye)貸(dai)(dai)款(kuan)、婦女創(chuang)業(ye)貸(dai)(dai)款(kuan)、扶貧開發貸(dai)(dai)款(kuan)、庫區移民(min)(min)貸(dai)(dai)款(kuan)等，支持農民(min)(min)發展(zhan)生產、增收致(zhi)富。

　　創(chuang)新服務(wu)手(shou)段，提(ti)高服務(wu)效率。實施“陽光(guang)信(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)”工(gong)(gong)程，積極推(tui)(tui)行貸(dai)(dai)(dai)(dai)(dai)(dai)款“三公(gong)開”制(zhi)(zhi)度(du)，懸掛服務(wu)標牌，公(gong)開貸(dai)(dai)(dai)(dai)(dai)(dai)款條(tiao)件、程序以及包(bao)片信(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)員聯(lian)(lian)系卡，提(ti)高農(nong)民工(gong)(gong)貸(dai)(dai)(dai)(dai)(dai)(dai)款透明度(du)。同時，以“信(xin)祥卡”、“貸(dai)(dai)(dai)(dai)(dai)(dai)款證”為載體，積極推(tui)(tui)廣“一次授信(xin)、隨用隨貸(dai)(dai)(dai)(dai)(dai)(dai)、余額(e)控制(zhi)(zhi)、周轉使(shi)用”的(de)(de)農(nong)戶循環貸(dai)(dai)(dai)(dai)(dai)(dai)款，簡化(hua)貸(dai)(dai)(dai)(dai)(dai)(dai)款手(shou)續，有效提(ti)高農(nong)戶貸(dai)(dai)(dai)(dai)(dai)(dai)款流程和(he)(he)辦貸(dai)(dai)(dai)(dai)(dai)(dai)效率。發揚“挎包(bao)銀行”的(de)(de)優良傳統，主動把(ba)金(jin)融(rong)(rong)知識、信(xin)息和(he)(he)產品帶(dai)到農(nong)戶家中，為農(nong)民工(gong)(gong)提(ti)供(gong)貼身(shen)的(de)(de)信(xin)貸(dai)(dai)(dai)(dai)(dai)(dai)及各項金(jin)融(rong)(rong)服務(wu)工(gong)(gong)作。大力推(tui)(tui)行農(nong)村金(jin)融(rong)(rong)聯(lian)(lian)絡員制(zhi)(zhi)度(du)，加強金(jin)融(rong)(rong)知識宣(xuan)介(jie)和(he)(he)協助工(gong)(gong)作，把(ba)農(nong)信(xin)社的(de)(de)服務(wu)帶(dai)到千家萬戶。

　　加強農村地區支付體系建設(she)，有(you)效暢通(tong)支付結(jie)算服務(wu)渠道。開辦(ban)農民(min)(min)工(gong)銀(yin)(yin)行卡特色(se)服務(wu)，解(jie)決(jue)農民(min)(min)工(gong)跨(kua)地區、跨(kua)銀(yin)(yin)行取款問題，既(ji)方(fang)便(bian)、快捷又(you)安全。推(tui)廣電話銀(yin)(yin)行、手機(ji)銀(yin)(yin)行、網上銀(yin)(yin)行以(yi)及POS為載體，集(ji)消費收費、轉賬匯款、余(yu)額查詢、代(dai)理取款等(deng)(deng)功能于一身的(de)“桂(gui)盛(sheng)通(tong)”業(ye)務(wu)。截(jie)至2013年末(mo)，在廣西13682個具備安裝條件的(de)行政村設(she)立(li)便(bian)民(min)(min)服務(wu)點14568個，布放(fang)具有(you)賬戶查詢、現金存(cun)取、轉賬匯款等(deng)(deng)業(ye)務(wu)功能的(de)桂(gui)盛(sheng)通(tong)自助結(jie)算終端18953臺，打造了“足不(bu)出(chu)村享受金融(rong)服務(wu)”的(de)惠民(min)(min)平臺，使農民(min)(min)工(gong)及其家庭享受到高效便(bian)利的(de)現代(dai)金融(rong)服務(wu)。