文章(zhang)來源：廣西國資委 發布時間：2015-11-17
10月(yue)末(mo)，廣西(xi)(xi)農村信用(yong)社（含(han)農村合(he)作(zuo)銀行(xing)、農村商業(ye)銀行(xing)）各項貸款(kuan)余額突破3000億元大關，達到(dao)3026億元。這是(shi)繼今年3月(yue)末(mo)存(cun)款(kuan)突破4000億元后，廣西(xi)(xi)農信社業(ye)務(wu)發展的又一次歷史性跨越。
今年(nian)以來，廣(guang)西(xi)(xi)農(nong)信社發揮金融支撐引領作(zuo)用，服務自治區產業(ye)(ye)結構調整，將增(zeng)量貸(dai)(dai)款、盤活的存(cun)(cun)量貸(dai)(dai)款重點(dian)投(tou)向農(nong)業(ye)(ye)、農(nong)田水(shui)利建設(she)、小微企(qi)業(ye)(ye)、旅(lv)游業(ye)(ye)、工業(ye)(ye)、新(xin)型城鎮化、非公經(jing)濟(ji)和(he)扶貧(pin)開發等，促進(jin)實體經(jing)濟(ji)轉(zhuan)型升級。存(cun)(cun)貸(dai)(dai)款增(zeng)量連續8年(nian)居廣(guang)西(xi)(xi)同(tong)(tong)業(ye)(ye)第(di)一位，存(cun)(cun)、貸(dai)(dai)款余額(e)保持廣(guang)西(xi)(xi)同(tong)(tong)業(ye)(ye)第(di)一位；涉農(nong)、小微企(qi)業(ye)(ye)貸(dai)(dai)款余額(e)占廣(guang)西(xi)(xi)同(tong)(tong)業(ye)(ye)“半(ban)壁江山”。
一是著(zhu)力(li)(li)推進支(zhi)(zhi)(zhi)農(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)(zhi)小(xiao)(xiao)，增強對實體經濟(ji)(ji)的(de)(de)(de)支(zhi)(zhi)(zhi)持力(li)(li)度(du)。建(jian)立涉農(nong)(nong)(nong)(nong)(nong)貸(dai)(dai)(dai)(dai)款考核制(zhi)度(du)，將(jiang)涉農(nong)(nong)(nong)(nong)(nong)貸(dai)(dai)(dai)(dai)款、小(xiao)(xiao)微(wei)企業(ye)貸(dai)(dai)(dai)(dai)款增量(liang)及(ji)(ji)增長率(lv)(lv)等(deng)指標作(zuo)為衡量(liang)普惠信貸(dai)(dai)(dai)(dai)建(jian)設的(de)(de)(de)硬(ying)指標，進一步增強各(ge)(ge)級農(nong)(nong)(nong)(nong)(nong)信社支(zhi)(zhi)(zhi)農(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)(zhi)小(xiao)(xiao)的(de)(de)(de)積極性(xing)和主動性(xing)，重(zhong)點支(zhi)(zhi)(zhi)持制(zhi)糖、酒精淀粉、繭絲(si)綢、林業(ye)、禽畜、香(xiang)蕉、中草藥、香(xiang)料等(deng)廣西農(nong)(nong)(nong)(nong)(nong)業(ye)特色產(chan)(chan)業(ye)以(yi)(yi)及(ji)(ji)工業(ye)、旅(lv)游等(deng)地(di)(di)方優(you)勢產(chan)(chan)業(ye)。同(tong)時，充(chong)分發(fa)揮農(nong)(nong)(nong)(nong)(nong)信社網點眾(zhong)多的(de)(de)(de)優(you)勢，對涉及(ji)(ji)千家(jia)萬戶的(de)(de)(de)糧食直補(bu)(bu)、農(nong)(nong)(nong)(nong)(nong)資(zi)(zi)補(bu)(bu)貼(tie)、庫區移民補(bu)(bu)貼(tie)等(deng)近40個項目(mu)的(de)(de)(de)各(ge)(ge)種惠農(nong)(nong)(nong)(nong)(nong)支(zhi)(zhi)(zhi)農(nong)(nong)(nong)(nong)(nong)補(bu)(bu)貼(tie)，主動提(ti)供服(fu)務(wu)，為廣西940多萬農(nong)(nong)(nong)(nong)(nong)戶免(mian)費開立卡（折）賬(zhang)戶，建(jian)立起“一折（卡）通(tong)”的(de)(de)(de)財(cai)政(zheng)惠農(nong)(nong)(nong)(nong)(nong)補(bu)(bu)貼(tie)資(zi)(zi)金(jin)(jin)網絡；全力(li)(li)配合各(ge)(ge)級政(zheng)府(fu)部門(men)(men)做好新(xin)農(nong)(nong)(nong)(nong)(nong)保(bao)代(dai)收保(bao)費、代(dai)發(fa)基(ji)礎養老保(bao)險金(jin)(jin)等(deng)金(jin)(jin)融(rong)(rong)服(fu)務(wu)工作(zuo)，架(jia)設了一座(zuo)黨和政(zheng)府(fu)聯(lian)系農(nong)(nong)(nong)(nong)(nong)民的(de)(de)(de)橋梁。另外，出臺小(xiao)(xiao)微(wei)企業(ye)信貸(dai)(dai)(dai)(dai)優(you)惠政(zheng)策，放寬小(xiao)(xiao)微(wei)企業(ye)抵(di)（質(zhi)(zhi)）押(ya)物(wu)比(bi)率(lv)(lv)，拓寬擔保(bao)物(wu)范圍，房地(di)(di)產(chan)(chan)抵(di)押(ya)率(lv)(lv)最高(gao)放寬到85%，工業(ye)用地(di)(di)抵(di)押(ya)率(lv)(lv)最高(gao)放寬到75%，機(ji)器設備抵(di)押(ya)率(lv)(lv)最高(gao)放寬到50%。完善非公(gong)有經濟(ji)(ji)金(jin)(jin)融(rong)(rong)服(fu)務(wu)機(ji)制(zhi)，實行專門(men)(men)機(ji)構、專門(men)(men)團(tuan)隊(dui)、專門(men)(men)流程、專門(men)(men)考核機(ji)制(zhi)、專門(men)(men)信貸(dai)(dai)(dai)(dai)計劃(hua)的(de)(de)(de)“五(wu)專”服(fu)務(wu)，以(yi)(yi)及(ji)(ji)單列信貸(dai)(dai)(dai)(dai)計劃(hua)、單配人力(li)(li)和財(cai)務(wu)資(zi)(zi)源、單獨客戶認定(ding)與信貸(dai)(dai)(dai)(dai)評(ping)審、單獨會(hui)計核算的(de)(de)(de)“四(si)單”管理，積極探(tan)索質(zhi)(zhi)權(quan)（農(nong)(nong)(nong)(nong)(nong)信社股(gu)金(jin)(jin)）、債權(quan)（應收賬(zhang)款）、貨權(quan)（存貨）、物(wu)權(quan)（固定(ding)資(zi)(zi)產(chan)(chan)）、智權(quan)（無形(xing)資(zi)(zi)產(chan)(chan)）等(deng)“五(wu)權(quan)”融(rong)(rong)資(zi)(zi)，全力(li)(li)推動非公(gong)有制(zhi)經濟(ji)(ji)發(fa)展(zhan)。
二是著力(li)推(tui)進金(jin)(jin)融(rong)產(chan)品(pin)(pin)創新(xin)(xin)，破解農(nong)(nong)民貸(dai)(dai)(dai)(dai)款(kuan)難、貸(dai)(dai)(dai)(dai)款(kuan)貴問(wen)題(ti)。通過(guo)調整貸(dai)(dai)(dai)(dai)款(kuan)額度(du)、期限、條件、手續等措施，努力(li)提高(gao)農(nong)(nong)村地區(qu)貸(dai)(dai)(dai)(dai)款(kuan)滿足率(lv)和(he)覆(fu)蓋面，農(nong)(nong)戶(hu)(hu)(hu)小額信(xin)用(yong)(yong)(yong)貸(dai)(dai)(dai)(dai)款(kuan)額度(du)從(cong)原來的(de)(de)(de)(de)(de)最高(gao)3萬(wan)元(yuan)(yuan)提高(gao)到5萬(wan)元(yuan)(yuan)，部分縣域提高(gao)到15萬(wan)元(yuan)(yuan)，使更多農(nong)(nong)民通過(guo)小額貸(dai)(dai)(dai)(dai)款(kuan)發展(zhan)生(sheng)產(chan)、增收致富。全(quan)面推(tui)行(xing)“桂盛信(xin)祥卡(ka)”業(ye)務(wu)，采取“一(yi)次授信(xin)、隨用(yong)(yong)(yong)隨貸(dai)(dai)(dai)(dai)、周轉使用(yong)(yong)(yong)”的(de)(de)(de)(de)(de)模式，使農(nong)(nong)戶(hu)(hu)(hu)貸(dai)(dai)(dai)(dai)款(kuan)就像辦理(li)存款(kuan)一(yi)樣便捷并(bing)節約成本。同時，創新(xin)(xin)金(jin)(jin)融(rong)產(chan)品(pin)(pin)。量(liang)身定做推(tui)出了(le)(le)貧(pin)(pin)困學生(sheng)助(zhu)學貸(dai)(dai)(dai)(dai)款(kuan)、庫(ku)區(qu)移民權利(li)質押貸(dai)(dai)(dai)(dai)款(kuan)、農(nong)(nong)民工(gong)創業(ye)貸(dai)(dai)(dai)(dai)款(kuan)、婦女(nv)創業(ye)、青年(nian)創業(ye)貸(dai)(dai)(dai)(dai)款(kuan)、“金(jin)(jin)香(xiang)蕉”和(he)“金(jin)(jin)芒果”特色農(nong)(nong)業(ye)貸(dai)(dai)(dai)(dai)款(kuan)等一(yi)系列產(chan)品(pin)(pin)。該(gai)社(she)(she)與(yu)廣(guang)西(xi)財政(zheng)廳、扶貧(pin)(pin)辦合作開展(zhan)扶貧(pin)(pin)小額貸(dai)(dai)(dai)(dai)款(kuan)獎(jiang)補(bu)試點，由財政(zheng)出資設立(li)擔保基(ji)(ji)金(jin)(jin)，農(nong)(nong)信(xin)社(she)(she)按擔保基(ji)(ji)金(jin)(jin)的(de)(de)(de)(de)(de)5倍發放貸(dai)(dai)(dai)(dai)款(kuan)，以財政(zheng)資金(jin)(jin)撬動放大扶貧(pin)(pin)貸(dai)(dai)(dai)(dai)款(kuan)的(de)(de)(de)(de)(de)發放。另外，出臺一(yi)系列讓利(li)于農(nong)(nong)的(de)(de)(de)(de)(de)扶持措施。該(gai)社(she)(she)統一(yi)了(le)(le)廣(guang)西(xi)小額農(nong)(nong)貸(dai)(dai)(dai)(dai)的(de)(de)(de)(de)(de)利(li)率(lv)水平：對庫(ku)區(qu)移民生(sheng)產(chan)生(sheng)活貸(dai)(dai)(dai)(dai)款(kuan)一(yi)律執行(xing)基(ji)(ji)準(zhun)利(li)率(lv)下(xia)浮(fu)(fu)10%；困難農(nong)(nong)戶(hu)(hu)(hu)子女(nv)上學、治病醫療(liao)、扶貧(pin)(pin)開發、計生(sheng)誠信(xin)戶(hu)(hu)(hu)等扶貧(pin)(pin)濟困的(de)(de)(de)(de)(de)農(nong)(nong)戶(hu)(hu)(hu)貸(dai)(dai)(dai)(dai)款(kuan)執行(xing)基(ji)(ji)準(zhun)利(li)率(lv)；一(yi)般(ban)農(nong)(nong)戶(hu)(hu)(hu)貸(dai)(dai)(dai)(dai)款(kuan)利(li)率(lv)上浮(fu)(fu)幅度(du)不(bu)得(de)超(chao)過(guo)10～20%。規定除貸(dai)(dai)(dai)(dai)款(kuan)利(li)息外，不(bu)得(de)收取貸(dai)(dai)(dai)(dai)款(kuan)農(nong)(nong)戶(hu)(hu)(hu)其他任何(he)費(fei)用(yong)(yong)(yong)，并(bing)在(zai)(zai)廣(guang)西(xi)各鄉鎮(zhen)、村屯(tun)公布舉(ju)報監(jian)(jian)督電話，接受公眾監(jian)(jian)督。對抵押物價值在(zai)(zai)100萬(wan)元(yuan)(yuan)以內(nei)的(de)(de)(de)(de)(de)資產(chan)，由農(nong)(nong)信(xin)社(she)(she)進行(xing)內(nei)部價值評(ping)估并(bing)不(bu)收取費(fei)用(yong)(yong)(yong)，讓農(nong)(nong)戶(hu)(hu)(hu)不(bu)用(yong)(yong)(yong)再支付費(fei)用(yong)(yong)(yong)給評(ping)估機(ji)構。
三是著力推進(jin)農(nong)(nong)(nong)戶(hu)(hu)(hu)信(xin)(xin)(xin)(xin)用(yong)(yong)評級(ji)工作，打造(zao)良好的(de)農(nong)(nong)(nong)村(cun)(cun)金融生態環境。大力推進(jin)以(yi)“信(xin)(xin)(xin)(xin)用(yong)(yong)戶(hu)(hu)(hu)”、“信(xin)(xin)(xin)(xin)用(yong)(yong)村(cun)(cun)”、“信(xin)(xin)(xin)(xin)用(yong)(yong)鎮(zhen)”為重點的(de)農(nong)(nong)(nong)村(cun)(cun)信(xin)(xin)(xin)(xin)用(yong)(yong)體系建(jian)設，通過對信(xin)(xin)(xin)(xin)用(yong)(yong)村(cun)(cun)、信(xin)(xin)(xin)(xin)用(yong)(yong)戶(hu)(hu)(hu)實(shi)行貸(dai)款優(you)先、利率優(you)惠、額度放寬、手續簡化(hua)等，提高農(nong)(nong)(nong)村(cun)(cun)地(di)區整體信(xin)(xin)(xin)(xin)用(yong)(yong)意識，使誠信(xin)(xin)(xin)(xin)農(nong)(nong)(nong)戶(hu)(hu)(hu)貸(dai)款不(bu)再難(nan)。至10月末，廣西農(nong)(nong)(nong)信(xin)(xin)(xin)(xin)社(she)已為364.07萬戶(hu)(hu)(hu)農(nong)(nong)(nong)戶(hu)(hu)(hu)建(jian)立(li)了信(xin)(xin)(xin)(xin)用(yong)(yong)檔案(an)，占農(nong)(nong)(nong)戶(hu)(hu)(hu)總數的(de)38%；對338.23萬戶(hu)(hu)(hu)農(nong)(nong)(nong)戶(hu)(hu)(hu)進(jin)行了信(xin)(xin)(xin)(xin)用(yong)(yong)評級(ji)，占農(nong)(nong)(nong)戶(hu)(hu)(hu)總數的(de)35%。建(jian)立(li)了76個信(xin)(xin)(xin)(xin)用(yong)(yong)鄉（鎮(zhen)），1147個信(xin)(xin)(xin)(xin)用(yong)(yong)村(cun)(cun)，1588個信(xin)(xin)(xin)(xin)用(yong)(yong)組。