文(wen)章來源：寧夏國資委 發布時間(jian)：2016-07-08
按照寧夏自治區黨委、寧夏國資委(wei)(wei)黨委(wei)(wei)的要(yao)求(qiu)，黃(huang)河銀行黨委(wei)(wei)立(li)足普惠金融和服(fu)(fu)(fu)務(wu)三農，提出(chu)了健全(quan)服(fu)(fu)(fu)務(wu)機構(gou)、強化服(fu)(fu)(fu)務(wu)主體(ti)、規范服(fu)(fu)(fu)務(wu)機制、創(chuang)新服(fu)(fu)(fu)務(wu)方(fang)式、建立(li)服(fu)(fu)(fu)務(wu)載體(ti)的創(chuang)建要(yao)求(qiu)，著力推進(jin)重點服(fu)(fu)(fu)務(wu)措施的落實。
一(yi)是繼續加大涉(she)農信貸服(fu)務力度。今年以來，黃河(he)銀(yin)行(xing)(xing)系統以支持(chi)春耕(geng)(geng)生(sheng)產為重點，提出(chu)了80億(yi)元(yuan)的(de)(de)投(tou)放(fang)目標，成立了5個(ge)督(du)導(dao)組，由黃河(he)銀(yin)行(xing)(xing)黨委委員親自帶隊，對全區各(ge)機構春耕(geng)(geng)支農工(gong)作(zuo)進(jin)行(xing)(xing)督(du)導(dao)，與政(zheng)府、農口部門對接，深入田(tian)間地(di)頭、農戶(hu)院落，傾(qing)聽百(bai)姓(xing)心(xin)聲，協調(diao)解決困難。堅持(chi)讓(rang)利于民(min)，降低了農戶(hu)貸款利率，降幅為歷年來最高，實現(xian)讓(rang)利1.85億(yi)元(yuan)。截至4月末，全系統累計發(fa)放(fang)支持(chi)春耕(geng)(geng)備耕(geng)(geng)貸款105.31億(yi)元(yuan)，完成計劃的(de)(de)131.64%，受(shou)惠群眾248745戶(hu)，較年初(chu)(chu)增加37793戶(hu)，農戶(hu)貸款覆蓋(gai)面較年初(chu)(chu)提高3.91個(ge)百(bai)分點，使(shi)信貸資金真正成為農民(min)春耕(geng)(geng)生(sheng)產的(de)(de)“及(ji)時雨”。
二(er)是大力提升(sheng)農(nong)(nong)(nong)(nong)村(cun)(cun)便(bian)(bian)民(min)(min)金融(rong)服務(wu)點的數量和(he)質量。以(yi)“農(nong)(nong)(nong)(nong)村(cun)(cun)支(zhi)付(fu)便(bian)(bian)民(min)(min)惠農(nong)(nong)(nong)(nong)工程(cheng)”和(he)“萬村(cun)(cun)千鄉市場(chang)工程(cheng)”為(wei)工作抓手(shou)，擴(kuo)大現(xian)代化支(zhi)付(fu)體系(xi)建(jian)(jian)設成(cheng)果(guo)在(zai)農(nong)(nong)(nong)(nong)村(cun)(cun)應用和(he)普及，并著力從業務(wu)管理、產品功(gong)能、服務(wu)創新、支(zhi)付(fu)安全(quan)等方(fang)面進行(xing)(xing)(xing)規范(fan)，統(tong)一助農(nong)(nong)(nong)(nong)取(qu)(qu)款服務(wu)點VI形象、硬件(jian)設備、操作規范(fan)和(he)服務(wu)流(liu)程(cheng)。加強宣傳(chuan)引(yin)導，以(yi)教會農(nong)(nong)(nong)(nong)民(min)(min)使(shi)用電(dian)子(zi)銀(yin)行(xing)(xing)(xing)產品為(wei)核(he)心(xin)，使(shi)網(wang)上(shang)銀(yin)行(xing)(xing)(xing)、手(shou)機(ji)銀(yin)行(xing)(xing)(xing)、電(dian)話銀(yin)行(xing)(xing)(xing)等電(dian)子(zi)銀(yin)行(xing)(xing)(xing)支(zhi)付(fu)結(jie)算方(fang)式在(zai)農(nong)(nong)(nong)(nong)村(cun)(cun)得到(dao)推(tui)廣，使(shi)農(nong)(nong)(nong)(nong)民(min)(min)辦理支(zhi)付(fu)結(jie)算業務(wu)更(geng)加安全(quan)便(bian)(bian)捷。截至2014年末，本系(xi)統(tong)已建(jian)(jian)設2630個(ge)“銀(yin)行(xing)(xing)(xing)卡助農(nong)(nong)(nong)(nong)取(qu)(qu)款服務(wu)點”，覆蓋 2119個(ge)行(xing)(xing)(xing)政(zheng)村(cun)(cun)，累計辦理取(qu)(qu)款業務(wu)4.94萬筆、金額5375.30萬元(yuan)。除(chu)有金融(rong)網(wang)點服務(wu)和(he)已整村(cun)(cun)移民(min)(min)搬遷的行(xing)(xing)(xing)政(zheng)村(cun)(cun)，實現(xian)了全(quan)區村(cun)(cun)級(ji)基礎金融(rong)服務(wu)全(quan)覆蓋。
三是堅持履行(xing)(xing)社會責任。提出(chu)(chu)了建立(li)“本系統出(chu)(chu)資(zi)、政府(fu)部(bu)門配資(zi)、財政貼息”的(de)涉(she)農(nong)扶貧(pin)助(zhu)學(xue)(xue)(xue)(xue)基金(jin)的(de)目(mu)標。今年(nian)與(yu)寧(ning)夏自(zi)治區團委(wei)聯合實施(shi)了“大學(xue)(xue)(xue)(xue)生返鄉創(chuang)業行(xing)(xing)動”，為(wei)具有創(chuang)業能(neng)力的(de)大中專畢業生、青年(nian)農(nong)民(min)、城(cheng)市農(nong)民(min)工等(deng)提供小額(e)創(chuang)業貸款，滿足其(qi)就業、創(chuang)業、致富的(de)需(xu)求(qiu)。提出(chu)(chu)了“扶貧(pin)助(zhu)學(xue)(xue)(xue)(xue)貸款項目(mu)”實施(shi)方案，擬(ni)將助(zhu)學(xue)(xue)(xue)(xue)基金(jin)與(yu)信貸資(zi)金(jin)捆綁，擴大倍數為(wei)農(nong)村貧(pin)困家庭發放低息貸款，助(zhu)其(qi)實現(xian)脫貧(pin)致富，保障(zhang)子女就學(xue)(xue)(xue)(xue)。繼續開(kai)展定(ding)點扶貧(pin)、“黃河銀(yin)行(xing)(xing)”高中班、為(wei)農(nong)村小學(xue)(xue)(xue)(xue)援(yuan)建夢想中心教室等(deng)助(zhu)學(xue)(xue)(xue)(xue)工作，受到了社會贊譽。