8月11日上(shang)午,新華網(wang)特邀(yao)蘭考縣委常委、常務副(fu)縣長王彥濤做客新華會客廳,就蘭考縣普(pu)惠金融的(de)實(shi)踐與(yu)成果樣(yang)本與(yu)網(wang)友暢聊。對于如(ru)何創新中企業的(de)小微貸款需求,王彥濤給出了幾(ji)個案例:
河南五(wu)農(nong)好(hao)集團是蘭(lan)考縣(xian)骨干農(nong)業(ye)(ye)(ye)(ye)(ye)(ye)龍頭企(qi)業(ye)(ye)(ye)(ye)(ye)(ye),該(gai)(gai)公(gong)(gong)(gong)司(si)創立于2011年(nian)(nian)(nian)4月,是集農(nong)產(chan)品無公(gong)(gong)(gong)害種植、研發、生(sheng)產(chan)加工、銷(xiao)售(shou)于一體的(de)大(da)(da)型(xing)現代化(hua)民營(ying)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)。目前該(gai)(gai)公(gong)(gong)(gong)司(si)已經(jing)擁有(you)“五(wu)農(nong)好(hao)”、“嗑豁牙(ya)”、“堌陽食(shi)品”三(san)大(da)(da)品牌商標,公(gong)(gong)(gong)司(si)主(zhu)要產(chan)品有(you)黃(huang)豆醬(jiang)、辣(la)椒(jiao)醬(jiang)、老(lao)醬(jiang)豆、蟲草醬(jiang)、嗑豁牙(ya)瓜子(zi)、五(wu)農(nong)好(hao)水(shui)、五(wu)農(nong)好(hao)花生(sheng)、饃蘸醬(jiang)等30余款產(chan)品。該(gai)(gai)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)為大(da)(da)學生(sheng)返鄉創業(ye)(ye)(ye)(ye)(ye)(ye)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye),企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)成(cheng)立之初,只是有(you)6名員工的(de)家庭作坊式的(de)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)。該(gai)(gai)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)幾年(nian)(nian)(nian)來在金融機構扶(fu)(fu)持(chi)下逐步發展壯(zhuang)大(da)(da),成(cheng)長為如(ru)今的(de)蘭(lan)考縣(xian)產(chan)業(ye)(ye)(ye)(ye)(ye)(ye)化(hua)龍頭企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)。人(ren)民銀(yin)行(xing)(xing)蘭(lan)考縣(xian)支行(xing)(xing)將該(gai)(gai)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)授予扶(fu)(fu)貧(pin)(pin)再貸(dai)款扶(fu)(fu)持(chi)示范點,蘭(lan)考縣(xian)農(nong)商行(xing)(xing)運用人(ren)民銀(yin)行(xing)(xing)扶(fu)(fu)貧(pin)(pin)再貸(dai)款,2016年(nian)(nian)(nian)對該(gai)(gai)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)授信(xin)500萬(wan)(wan)元,2017年(nian)(nian)(nian)更是將授信(xin)額度(du)提(ti)高到800萬(wan)(wan)元。2017年(nian)(nian)(nian)以(yi)來,共向該(gai)(gai)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)發放“三(san)位一體”扶(fu)(fu)貧(pin)(pin)貸(dai)款4筆金額1299萬(wan)(wan)元,貸(dai)款利(li)率4.65%,發放新型(xing)農(nong)業(ye)(ye)(ye)(ye)(ye)(ye)經(jing)濟(ji)主(zhu)體貸(dai)款200萬(wan)(wan)元,帶動42個建檔(dang)立卡貧(pin)(pin)困戶、2個殘疾(ji)人(ren)就業(ye)(ye)(ye)(ye)(ye)(ye),同(tong)時(shi)有(you)效降(jiang)低(di)了(le)(le)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)信(xin)貸(dai)成(cheng)本,提(ti)高了(le)(le)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)扶(fu)(fu)貧(pin)(pin)的(de)積極性,支持(chi)該(gai)(gai)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)走(zou)上了(le)(le)發展快車道。
民(min)(min)(min)族(zu)(zu)(zu)樂(le)(le)(le)(le)器(qi)(qi)(qi)生(sheng)產(chan)(chan)是蘭(lan)(lan)考(kao)(kao)縣(xian)特色支柱產(chan)(chan)業(ye)(ye)(ye)(ye)。蘭(lan)(lan)考(kao)(kao)縣(xian)堌陽(yang)鎮(zhen)(zhen)是中國(guo)民(min)(min)(min)族(zu)(zu)(zu)樂(le)(le)(le)(le)器(qi)(qi)(qi)之鄉、國(guo)家桐木音板(ban)生(sheng)產(chan)(chan)基地。目前全鎮(zhen)(zhen)從事民(min)(min)(min)族(zu)(zu)(zu)樂(le)(le)(le)(le)器(qi)(qi)(qi)、樂(le)(le)(le)(le)器(qi)(qi)(qi)音板(ban)及各種樂(le)(le)(le)(le)器(qi)(qi)(qi)配(pei)件生(sheng)產(chan)(chan)加工的(de)企(qi)業(ye)(ye)(ye)(ye)106家,從業(ye)(ye)(ye)(ye)人員1萬(wan)(wan)多(duo)人,產(chan)(chan)品(pin)有(you)古(gu)箏、古(gu)琴、琵琶等20多(duo)種、30多(duo)個系列的(de)民(min)(min)(min)族(zu)(zu)(zu)樂(le)(le)(le)(le)器(qi)(qi)(qi),以及各種民(min)(min)(min)族(zu)(zu)(zu)樂(le)(le)(le)(le)器(qi)(qi)(qi)的(de)音板(ban)、架子等配(pei)件產(chan)(chan)品(pin)。已(yi)經形成(cheng)年產(chan)(chan)銷民(min)(min)(min)族(zu)(zu)(zu)樂(le)(le)(le)(le)器(qi)(qi)(qi)40萬(wan)(wan)臺(把),音板(ban)及配(pei)件50多(duo)萬(wan)(wan)套,年產(chan)(chan)值15億(yi)元的(de)民(min)(min)(min)族(zu)(zu)(zu)樂(le)(le)(le)(le)器(qi)(qi)(qi)生(sheng)產(chan)(chan)規模。固陽(yang)鎮(zhen)(zhen)是河(he)南省唯一(yi)一(yi)個民(min)(min)(min)族(zu)(zu)(zu)樂(le)(le)(le)(le)器(qi)(qi)(qi)產(chan)(chan)業(ye)(ye)(ye)(ye)基地,是河(he)南省文化產(chan)(chan)業(ye)(ye)(ye)(ye)示范集聚區。為推進民(min)(min)(min)族(zu)(zu)(zu)樂(le)(le)(le)(le)器(qi)(qi)(qi)行(xing)(xing)業(ye)(ye)(ye)(ye)持續、穩定、健康發(fa)展,在(zai)蘭(lan)(lan)考(kao)(kao)縣(xian)政(zheng)府指導下,民(min)(min)(min)族(zu)(zu)(zu)樂(le)(le)(le)(le)器(qi)(qi)(qi)生(sheng)產(chan)(chan)企(qi)業(ye)(ye)(ye)(ye)抱團發(fa)展,于2009年成(cheng)立了蘭(lan)(lan)考(kao)(kao)縣(xian)民(min)(min)(min)族(zu)(zu)(zu)樂(le)(le)(le)(le)器(qi)(qi)(qi)行(xing)(xing)業(ye)(ye)(ye)(ye)協會。
據王彥(yan)濤(tao)介紹,在(zai)支(zhi)持(chi)民(min)(min)(min)族樂(le)(le)器(qi)(qi)發(fa)展中(zhong)(zhong),人行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)蘭(lan)考(kao)(kao)(kao)縣(xian)(xian)(xian)(xian)支(zhi)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)多次到樂(le)(le)器(qi)(qi)生產企(qi)(qi)業(ye)(ye)(ye)(ye)(ye)進行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)調(diao)研,積極(ji)引導中(zhong)(zhong)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)蘭(lan)考(kao)(kao)(kao)縣(xian)(xian)(xian)(xian)支(zhi)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)與樂(le)(le)器(qi)(qi)企(qi)(qi)業(ye)(ye)(ye)(ye)(ye)溝(gou)通(tong)(tong)(tong),尋找合作(zuo)的(de)(de)(de)可能。同(tong)時,協(xie)(xie)(xie)調(diao)中(zhong)(zhong)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)省市分行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)從政策、額(e)度(du)等方面(mian)給予寬松,支(zhi)持(chi)縣(xian)(xian)(xian)(xian)中(zhong)(zhong)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)開發(fa)推(tui)出了依托蘭(lan)考(kao)(kao)(kao)縣(xian)(xian)(xian)(xian)民(min)(min)(min)族樂(le)(le)器(qi)(qi)協(xie)(xie)(xie)會為平(ping)臺(tai)的(de)(de)(de)“蘭(lan)考(kao)(kao)(kao)樂(le)(le)器(qi)(qi)通(tong)(tong)(tong)寶”信貸產品,該貸款產品由(you)蘭(lan)考(kao)(kao)(kao)縣(xian)(xian)(xian)(xian)民(min)(min)(min)族樂(le)(le)器(qi)(qi)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)協(xie)(xie)(xie)會按(an)(an)照中(zhong)(zhong)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)準(zhun)入(ru)標準(zhun)向縣(xian)(xian)(xian)(xian)中(zhong)(zhong)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)推(tui)薦優質中(zhong)(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)(ye)(ye)客(ke)戶(hu),共同(tong)認可后(hou)納(na)入(ru)“樂(le)(le)器(qi)(qi)重點中(zhong)(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)(ye)(ye)池”。縣(xian)(xian)(xian)(xian)中(zhong)(zhong)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)在(zai)對企(qi)(qi)業(ye)(ye)(ye)(ye)(ye)調(diao)查之后(hou),對企(qi)(qi)業(ye)(ye)(ye)(ye)(ye)進行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)授(shou)(shou)信。民(min)(min)(min)族樂(le)(le)器(qi)(qi)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)協(xie)(xie)(xie)會按(an)(an)照批復授(shou)(shou)信總額(e)繳(jiao)納(na)10%的(de)(de)(de)風(feng)(feng)險補償金(jin)(jin),每個借款人按(an)(an)照各(ge)自(zi)授(shou)(shou)信金(jin)(jin)額(e)繳(jiao)納(na)10%的(de)(de)(de)風(feng)(feng)險互助金(jin)(jin),以蘭(lan)考(kao)(kao)(kao)縣(xian)(xian)(xian)(xian)民(min)(min)(min)族樂(le)(le)器(qi)(qi)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)協(xie)(xie)(xie)會名義在(zai)中(zhong)(zhong)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)開立專(zhuan)戶(hu)繳(jiao)存,并對中(zhong)(zhong)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)所有(you)授(shou)(shou)信提供質押擔保,同(tong)時協(xie)(xie)(xie)會成(cheng)(cheng)(cheng)員企(qi)(qi)業(ye)(ye)(ye)(ye)(ye)承(cheng)擔連帶擔保責任(ren)。行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)協(xie)(xie)(xie)會作(zuo)為中(zhong)(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)(ye)(ye)與金(jin)(jin)融(rong)(rong)機構之間(jian)的(de)(de)(de)橋梁(liang),有(you)效幫(bang)助中(zhong)(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)(ye)(ye)融(rong)(rong)資(zi)降(jiang)低交易成(cheng)(cheng)(cheng)本。金(jin)(jin)融(rong)(rong)機構通(tong)(tong)(tong)過與行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)協(xie)(xie)(xie)會搭建合作(zuo)平(ping)臺(tai),有(you)效降(jiang)低了中(zhong)(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)(ye)(ye)融(rong)(rong)資(zi)中(zhong)(zhong)的(de)(de)(de)信息成(cheng)(cheng)(cheng)本與代理成(cheng)(cheng)(cheng)本,促(cu)進行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)協(xie)(xie)(xie)會內的(de)(de)(de)中(zhong)(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)(ye)(ye)融(rong)(rong)資(zi),有(you)效解決了蘭(lan)考(kao)(kao)(kao)縣(xian)(xian)(xian)(xian)樂(le)(le)器(qi)(qi)生產企(qi)(qi)業(ye)(ye)(ye)(ye)(ye)融(rong)(rong)資(zi)難和流動資(zi)金(jin)(jin)短缺等困難。
據悉目前共累計放款33筆7300萬元,帶動堌陽鎮97家樂器家庭式手工作坊轉化為(wei)初具規(gui)模的生產加(jia)工企業(ye),同時,安置就業(ye)崗位1500余人,帶動周(zhou)邊300個貧(pin)困戶脫貧(pin)致富(fu)。
“通(tong)過這(zhe)兩個案例我們有幾點啟發(fa),”王彥濤說,第(di)一,一定(ding)要(yao)用足用活上級政策,如(ru)扶貧再貸(dai)款;第(di)二,一定(ding)要(yao)激發(fa)銀(yin)行的內生動力,如(ru)中行樂器通(tong)寶,幫(bang)助協調上級;第(di)三,中小微企業一定(ding)要(yao)誠信經營(ying),信用就是財(cai)富;第(di)四,中小微企業一定(ding)抱(bao)團取(qu)暖,一根(gen)筷子輕(qing)輕(qing)被折斷,十根(gen)筷子牢牢抱(bao)成團,同一產(chan)業的松散企業要(yao)合作、合力,不要(yao)惡意競爭。
中(zhong)證(zheng)(zheng)網(wang)(wang)聲明(ming):凡本(ben)網(wang)(wang)注(zhu)明(ming)“來源:中(zhong)國(guo)證(zheng)(zheng)券(quan)報(bao)(bao)·中(zhong)證(zheng)(zheng)網(wang)(wang)”的(de)所有作(zuo)(zuo)品,版(ban)權(quan)均(jun)(jun)屬于中(zhong)國(guo)證(zheng)(zheng)券(quan)報(bao)(bao)、中(zhong)證(zheng)(zheng)網(wang)(wang)。中(zhong)國(guo)證(zheng)(zheng)券(quan)報(bao)(bao)·中(zhong)證(zheng)(zheng)網(wang)(wang)與(yu)作(zuo)(zuo)品作(zuo)(zuo)者(zhe)聯合聲明(ming),任何組織(zhi)未經中(zhong)國(guo)證(zheng)(zheng)券(quan)報(bao)(bao)、中(zhong)證(zheng)(zheng)網(wang)(wang)以及作(zuo)(zuo)者(zhe)書面授權(quan)不(bu)(bu)得(de)轉載、摘編或利用其它方(fang)式(shi)使用上述(shu)作(zuo)(zuo)品。凡本(ben)網(wang)(wang)注(zhu)明(ming)來源非中(zhong)國(guo)證(zheng)(zheng)券(quan)報(bao)(bao)·中(zhong)證(zheng)(zheng)網(wang)(wang)的(de)作(zuo)(zuo)品,均(jun)(jun)轉載自其它媒體,轉載目的(de)在于更好服務讀者(zhe)、傳遞(di)信息(xi)之需,并不(bu)(bu)代表本(ben)網(wang)(wang)贊同其觀點,本(ben)網(wang)(wang)亦不(bu)(bu)對(dui)其真實性負(fu)責(ze),持(chi)異(yi)議者(zhe)應與(yu)原(yuan)出處單位主張權(quan)利。
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