文章來源：重慶國資委 發布時間：2017-10-24
重慶(qing)興農擔(dan)保集團有限公司，是重慶(qing)市(shi)委、市(shi)政府為統籌城鄉發展、深化農村(cun)(cun)金融改(gai)革，通過擔(dan)保的介入(ru)，盤活農村(cun)(cun)沉睡資(zi)源，撬(qiao)動金融資(zi)源不斷流向農村(cun)(cun)地(di)區，緩解“三農”融資(zi)難、融資(zi)貴(gui)的問(wen)題(ti)，進而促進農民增收致富而成立的公司。公司組建5年來，時刻牢記著姓“農”使命，抵擋住市(shi)場誘惑，履行社會責任，全力解決“三農”融資(zi)難、融資(zi)貴(gui)問(wen)題(ti)并取(qu)得積極(ji)成效。
截(jie)至今年9月底，集團累計(ji)支(zhi)持“三農”融(rong)資400億元，有效盤(pan)活農村“沉睡”資源(yuan)180多萬(wan)畝。去年至今累計(ji)幫(bang)扶貧困區縣(xian)貧困開(kai)發(fa)項(xiang)目和(he)貧困主體(ti)融(rong)資45.5億元，完成(cheng)2015-2017年扶貧融(rong)資目標的(de)91%，在酉(you)陽、彭水、巫溪、城口等幾個重點支(zhi)持貧困縣(xian)打造(zao)了8個典(dian)型幫(bang)扶示范點。
一(yi)、建立機(ji)制，金融(rong)扶貧(pin)(pin)(pin)基礎不斷完(wan)善。一(yi)是(shi)成立了農(nong)(nong)村金融(rong)研究所(suo)和(he)專司“三(san)(san)農(nong)(nong)”的(de)業務部門，做到產研結合，引(yin)領農(nong)(nong)業信貸擔(dan)保(bao)和(he)農(nong)(nong)村產權抵押(ya)融(rong)資(zi)事業發展。二(er)是(shi)加強(qiang)支(zhi)(zhi)農(nong)(nong)業務考核(he)，明確(que)支(zhi)(zhi)農(nong)(nong)扶貧(pin)(pin)(pin)業務發展質量指(zhi)標(biao)(biao)(biao)、風控指(zhi)標(biao)(biao)(biao)、管(guan)理(li)指(zhi)標(biao)(biao)(biao)在年度考核(he)中不低(di)于70%。三(san)(san)是(shi)撥付專款建立“三(san)(san)農(nong)(nong)”和(he)扶貧(pin)(pin)(pin)客(ke)戶的(de)信息(xi)資(zi)料庫。四(si)是(shi)為引(yin)導客(ke)戶經(jing)理(li)多(duo)開(kai)發“三(san)(san)農(nong)(nong)”和(he)扶貧(pin)(pin)(pin)項目(mu)，在差旅(lv)費上予以政(zheng)策傾斜。五是(shi)凡按規范操作的(de)支(zhi)(zhi)農(nong)(nong)扶貧(pin)(pin)(pin)項目(mu)，集(ji)團公(gong)司與區(qu)縣公(gong)司對半(ban)分擔(dan)風險，以鼓勵(li)區(qu)縣公(gong)司更(geng)多(duo)地開(kai)發支(zhi)(zhi)農(nong)(nong)扶貧(pin)(pin)(pin)項目(mu)。六(liu)是(shi)明確(que)集(ji)團公(gong)司人才提拔、培養需下派(pai)到扶貧(pin)(pin)(pin)區(qu)縣鍛煉(lian)一(yi)年，目(mu)前已經(jing)在秀(xiu)山(shan)、酉陽(yang)、彭水、忠縣、武隆(long)、奉節等區(qu)縣下派(pai)了業務骨干。
二、創(chuang)新產品(pin)(pin)(pin)，金(jin)融(rong)扶(fu)貧(pin)(pin)(pin)載體(ti)不斷豐富。按照“一(yi)(yi)區(qu)域(yu)一(yi)(yi)產品(pin)(pin)(pin)”、“一(yi)(yi)農(nong)(nong)(nong)戶(hu)(hu)一(yi)(yi)方案(an)”的思路，選取大足為試(shi)點(dian)區(qu)縣，建(jian)立(li)貧(pin)(pin)(pin)困(kun)(kun)(kun)地區(qu)和(he)農(nong)(nong)(nong)戶(hu)(hu)名(ming)冊、扶(fu)持臺(tai)賬(zhang)和(he)扶(fu)貧(pin)(pin)(pin)擔(dan)保(bao)(bao)(bao)項目(mu)(mu)庫，開發(fa)(fa)推廣“農(nong)(nong)(nong)業(ye)產業(ye)鏈”“農(nong)(nong)(nong)戶(hu)(hu)聯保(bao)(bao)(bao)”“信(xin)用(yong)擔(dan)保(bao)(bao)(bao)”等擔(dan)保(bao)(bao)(bao)模(mo)式(shi)和(he)產品(pin)(pin)(pin)，最大限度滿足貧(pin)(pin)(pin)困(kun)(kun)(kun)地區(qu)、貧(pin)(pin)(pin)困(kun)(kun)(kun)農(nong)(nong)(nong)戶(hu)(hu)融(rong)資(zi)需求。探索推廣應用(yong)微(wei)貸擔(dan)保(bao)(bao)(bao)技術(shu)，開發(fa)(fa)自助循環流動(dong)資(zi)金(jin)貸款擔(dan)保(bao)(bao)(bao)品(pin)(pin)(pin)種，推廣農(nong)(nong)(nong)業(ye)集(ji)群(qun)、批發(fa)(fa)擔(dan)保(bao)(bao)(bao)等農(nong)(nong)(nong)業(ye)產業(ye)鏈金(jin)融(rong)服務模(mo)式(shi)，積極開展“公(gong)司(si)(si)+農(nong)(nong)(nong)戶(hu)(hu)”“公(gong)司(si)(si)+農(nong)(nong)(nong)民合(he)作社+農(nong)(nong)(nong)戶(hu)(hu)”等促進農(nong)(nong)(nong)業(ye)產業(ye)化經營(ying)的信(xin)貸擔(dan)保(bao)(bao)(bao)模(mo)式(shi)。目(mu)(mu)前(qian)，成功開發(fa)(fa)了(le)城口縣東(dong)安(an)鄉發(fa)(fa)展“鄉村旅游”農(nong)(nong)(nong)戶(hu)(hu)小額貸款擔(dan)保(bao)(bao)(bao)項目(mu)(mu)，開縣大進鄉個體(ti)經營(ying)戶(hu)(hu)及農(nong)(nong)(nong)業(ye)專(zhuan)業(ye)合(he)作社小額貸款擔(dan)保(bao)(bao)(bao)項目(mu)(mu)等。尤其是石柱(zhu)興農(nong)(nong)(nong)擔(dan)保(bao)(bao)(bao)公(gong)司(si)(si)創(chuang)新實施(shi)了(le)“聚寶盆(pen)”精準扶(fu)貧(pin)(pin)(pin)計(ji)劃(hua)，對貧(pin)(pin)(pin)困(kun)(kun)(kun)戶(hu)(hu)由“補(bu)血”到“造(zao)血”，幫助貧(pin)(pin)(pin)困(kun)(kun)(kun)戶(hu)(hu)實現可持續脫貧(pin)(pin)(pin)，截至9月底(di)，“聚寶盆(pen)”計(ji)劃(hua)擔(dan)保(bao)(bao)(bao)扶(fu)貧(pin)(pin)(pin)款798.57萬元，涉及15個貧(pin)(pin)(pin)困(kun)(kun)(kun)村近500個貧(pin)(pin)(pin)困(kun)(kun)(kun)戶(hu)(hu)。
三(san)(san)、專(zhuan)門(men)通道(dao)，金(jin)融(rong)扶貧(pin)質量不(bu)斷提(ti)(ti)升。一是(shi)壓縮支(zhi)農(nong)(nong)(nong)扶貧(pin)項(xiang)(xiang)(xiang)目(mu)辦(ban)理(li)(li)時(shi)(shi)(shi)間(jian)，限時(shi)(shi)(shi)辦(ban)結(jie)。對各(ge)子公司、區縣(xian)公司上報(bao)的(de)(de)扶貧(pin)項(xiang)(xiang)(xiang)目(mu)，集團(tuan)公司設立專(zhuan)門(men)通道(dao)、召開專(zhuan)場評(ping)審會、制(zhi)定(ding)專(zhuan)門(men)流(liu)程，提(ti)(ti)高(gao)支(zhi)農(nong)(nong)(nong)扶貧(pin)項(xiang)(xiang)(xiang)目(mu)辦(ban)理(li)(li)效率。如(ru)石柱(zhu)縣(xian)楓(feng)木項(xiang)(xiang)(xiang)目(mu)，從(cong)上報(bao)到(dao)辦(ban)結(jie)僅用(yong)(yong)三(san)(san)天時(shi)(shi)(shi)間(jian)。二是(shi)集團(tuan)公司每年(nian)都要組織客(ke)戶(hu)(hu)回訪及(ji)客(ke)戶(hu)(hu)滿意度(du)調查，對客(ke)戶(hu)(hu)提(ti)(ti)出(chu)的(de)(de)合(he)理(li)(li)要求及(ji)建議不(bu)斷整改，如(ru)對中小微(wei)客(ke)戶(hu)(hu)采取(qu)表單(dan)式(shi)的(de)(de)服務，簡化(hua)了流(liu)程、簡便了操作(zuo)。三(san)(san)是(shi)針(zhen)對每一位客(ke)戶(hu)(hu)，進行綜合(he)金(jin)融(rong)產品設計，不(bu)僅僅局限于融(rong)資(zi)(zi)擔保(bao)(bao)，同(tong)時(shi)(shi)(shi)包括做金(jin)融(rong)理(li)(li)財、資(zi)(zi)產管理(li)(li)、股權基金(jin)、咨詢及(ji)資(zi)(zi)產評(ping)估等綜合(he)性金(jin)融(rong)服務。四是(shi)執行差別化(hua)定(ding)價(jia)制(zhi)度(du)，對涉(she)農(nong)(nong)(nong)項(xiang)(xiang)(xiang)目(mu)執行不(bu)高(gao)于2%、扶貧(pin)項(xiang)(xiang)(xiang)目(mu)執行不(bu)高(gao)于1%、對貧(pin)困戶(hu)(hu)免收擔保(bao)(bao)費(fei)的(de)(de)低(di)(di)擔保(bao)(bao)費(fei)率政策，遠低(di)(di)于商業擔保(bao)(bao)3%左右(you)的(de)(de)收費(fei)標準，讓“三(san)(san)農(nong)(nong)(nong)”切(qie)(qie)切(qie)(qie)實(shi)(shi)實(shi)(shi)地得到(dao)了實(shi)(shi)惠。同(tong)時(shi)(shi)(shi)，充分發揮“三(san)(san)農(nong)(nong)(nong)”與(yu)金(jin)融(rong)機(ji)構的(de)(de)橋梁紐帶作(zuo)用(yong)(yong)，加強(qiang)與(yu)銀行等資(zi)(zi)金(jin)供給方溝通協(xie)調，有效引導(dao)金(jin)融(rong)機(ji)構降(jiang)低(di)(di)“三(san)(san)農(nong)(nong)(nong)”融(rong)資(zi)(zi)成本1-2個百分點。按此計算，僅酉陽縣(xian)就節約融(rong)資(zi)(zi)成本1000多萬元(yuan)。
四、運(yun)(yun)(yun)用(yong)(yong)“組(zu)合(he)(he)拳(quan)”，打(da)(da)通(tong)金(jin)融(rong)(rong)扶貧(pin)(pin)“最后(hou)一(yi)公里”。興農(nong)(nong)(nong)擔(dan)保(bao)(bao)充分運(yun)(yun)(yun)用(yong)(yong)“1+26+5”傘形擔(dan)保(bao)(bao)體(ti)系優勢，縱向(xiang)(xiang)延伸(shen)服務(wu)(wu)觸角、橫向(xiang)(xiang)拓展(zhan)服務(wu)(wu)功(gong)能，綜合(he)(he)運(yun)(yun)(yun)用(yong)(yong)融(rong)(rong)資(zi)(zi)(zi)擔(dan)保(bao)(bao)、資(zi)(zi)(zi)產(chan)管理及無償(chang)捐贈(zeng)“組(zu)合(he)(he)拳(quan)”真幫實(shi)(shi)(shi)扶。一(yi)是組(zu)建了(le)農(nong)(nong)(nong)村(cun)產(chan)權(quan)(quan)價值(zhi)評(ping)(ping)估機(ji)構，率先建立了(le)“三權(quan)(quan)”資(zi)(zi)(zi)產(chan)評(ping)(ping)估標準，有(you)效(xiao)解決了(le)農(nong)(nong)(nong)村(cun)資(zi)(zi)(zi)產(chan)評(ping)(ping)估難(nan)、收(shou)(shou)費(fei)高(gao)(gao)、效(xiao)率低、技術標準不(bu)統(tong)一(yi)、價值(zhi)難(nan)以發(fa)(fa)現和認定(ding)等問(wen)題。截至今(jin)年9月(yue)底，累(lei)計涉及“三權(quan)(quan)”資(zi)(zi)(zi)產(chan)評(ping)(ping)估342億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)，其(qi)中，流轉地125億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)、宅基地64億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)、生物資(zi)(zi)(zi)產(chan)30億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)、林權(quan)(quan)116.3億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)、農(nong)(nong)(nong)村(cun)房(fang)屋6.7億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)。二(er)是搭建了(le)農(nong)(nong)(nong)村(cun)不(bu)良(liang)資(zi)(zi)(zi)產(chan)收(shou)(shou)儲平臺。為(wei)有(you)效(xiao)收(shou)(shou)儲、經營、管理和處置(zhi)農(nong)(nong)(nong)村(cun)不(bu)良(liang)資(zi)(zi)(zi)產(chan)，保(bao)(bao)障“三農(nong)(nong)(nong)”的合(he)(he)法(fa)權(quan)(quan)益，確保(bao)(bao)涉農(nong)(nong)(nong)擔(dan)保(bao)(bao)項目持續經營奠定(ding)了(le)堅實(shi)(shi)(shi)的基礎(chu)。截至今(jin)年9月(yue)底，累(lei)計收(shou)(shou)儲不(bu)良(liang)資(zi)(zi)(zi)產(chan)1.8億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)。三是扎實(shi)(shi)(shi)推進易地扶貧(pin)(pin)搬(ban)(ban)遷(qian)統(tong)承統(tong)貸和高(gao)(gao)標準農(nong)(nong)(nong)田建設工作。今(jin)年5月(yue)，全市首個高(gao)(gao)標準農(nong)(nong)(nong)田建設融(rong)(rong)資(zi)(zi)(zi)擔(dan)保(bao)(bao)項目正式落地。該(gai)項目由興農(nong)(nong)(nong)擔(dan)保(bao)(bao)提供擔(dan)保(bao)(bao)，重慶銀行提供960萬貸款，支持雙億(yi)(yi)(yi)農(nong)(nong)(nong)業綜合(he)(he)開發(fa)(fa)公司連片打(da)(da)造5000畝高(gao)(gao)標準農(nong)(nong)(nong)田，用(yong)(yong)于發(fa)(fa)展(zhan)木本(ben)油(you)料(liao)基地。截至9月(yue)，集團公司已承接高(gao)(gao)山生態扶貧(pin)(pin)搬(ban)(ban)遷(qian)融(rong)(rong)資(zi)(zi)(zi)項目資(zi)(zi)(zi)本(ben)金(jin)31.85億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)；已與國開行、農(nong)(nong)(nong)發(fa)(fa)行簽訂長期政(zheng)策性貸款協議并取(qu)得整體(ti)授(shou)信(xin)87.5億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)；已實(shi)(shi)(shi)際籌集到位(wei)高(gao)(gao)山生態扶貧(pin)(pin)搬(ban)(ban)遷(qian)資(zi)(zi)(zi)金(jin)36.28億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)；已與13個區縣政(zheng)府(fu)、區縣實(shi)(shi)(shi)施主(zhu)體(ti)簽訂《政(zheng)府(fu)購(gou)買服務(wu)(wu)協議》《資(zi)(zi)(zi)金(jin)使用(yong)(yong)協議》，已實(shi)(shi)(shi)際向(xiang)(xiang)16個區縣實(shi)(shi)(shi)施主(zhu)體(ti)撥付(fu)到位(wei)搬(ban)(ban)遷(qian)資(zi)(zi)(zi)金(jin)35.45億(yi)(yi)(yi)元(yuan)(yuan)(yuan)(yuan)(yuan)。四是探索支持區縣公司在重點鄉(xiang)鎮、街道建立服務(wu)(wu)點，成功(gong)開發(fa)(fa)運(yun)(yun)(yun)營了(le)農(nong)(nong)(nong)戶線上投融(rong)(rong)資(zi)(zi)(zi)和農(nong)(nong)(nong)產(chan)品進城、農(nong)(nong)(nong)資(zi)(zi)(zi)及消費(fei)品下鄉(xiang)電子(zi)商務(wu)(wu)系統(tong)，進一(yi)步(bu)組(zu)合(he)(he)好(hao)、運(yun)(yun)(yun)用(yong)(yong)好(hao)體(ti)系資(zi)(zi)(zi)源，打(da)(da)通(tong)城鄉(xiang)金(jin)融(rong)(rong)服務(wu)(wu)“最后(hou)一(yi)公里”，全面提升農(nong)(nong)(nong)村(cun)金(jin)融(rong)(rong)服務(wu)(wu)效(xiao)率和質量。