中(zhong)證(zheng)網訊（記者 彭揚）中(zhong)國(guo)人民銀行副(fu)行長潘功勝日前在《中(zhong)國(guo)金(jin)融(rong)》上撰文指出，下一(yi)(yi)步(bu)，應準(zhun)確(que)把(ba)握新(xin)發展(zhan)階段，深入(ru)貫徹新(xin)發展(zhan)理(li)念(nian)，加快(kuai)構(gou)建(jian)新(xin)發展(zhan)格(ge)局，堅持共同富裕方(fang)向(xiang)，堅定不移深化金(jin)融(rong)供給側結構(gou)性改革，構(gou)建(jian)更高(gao)水平(ping)的金(jin)融(rong)支(zhi)持鄉(xiang)村振興(xing)體系(xi)，進一(yi)(yi)步(bu)提升金(jin)融(rong)服(fu)(fu)務(wu)實體經濟的水平(ping)，奮力開創金(jin)融(rong)支(zhi)持鄉(xiang)村振興(xing)新(xin)局面，推動“十(shi)四五”時期金(jin)融(rong)服(fu)(fu)務(wu)鄉(xiang)村振興(xing)高(gao)質量發展(zhan)。

　　具體看(kan)，潘功勝指(zhi)出(chu)，一是全面(mian)貫徹落實中(zhong)央決策(ce)部(bu)署，鞏固拓展脫(tuo)貧攻(gong)(gong)堅成果(guo)(guo)。嚴格落實過渡期(qi)內“四個不摘”的要求，在保(bao)持(chi)主(zhu)要金(jin)(jin)融(rong)(rong)幫(bang)扶政策(ce)總體穩定(ding)的基礎上，分層次、有梯度地(di)優化(hua)調整(zheng)，以市場化(hua)、可持(chi)續的方(fang)式，從金(jin)(jin)融(rong)(rong)集中(zhong)支持(chi)脫(tuo)貧攻(gong)(gong)堅轉向鞏固拓展脫(tuo)貧攻(gong)(gong)堅成果(guo)(guo)和全面(mian)推(tui)進(jin)鄉(xiang)村(cun)(cun)振(zhen)興。繼續發(fa)揮再貸(dai)款(kuan)的精(jing)準滴灌(guan)和正向激(ji)(ji)勵作用，引導金(jin)(jin)融(rong)(rong)機構優化(hua)信(xin)貸(dai)資源配置，加大(da)對脫(tuo)貧地(di)區特別是國家(jia)鄉(xiang)村(cun)(cun)振(zhen)興重點幫(bang)扶縣三(san)農、小(xiao)微等普惠(hui)領(ling)域信(xin)貸(dai)投放力度。落實好(hao)創業(ye)擔保(bao)貸(dai)款(kuan)、助學(xue)貸(dai)款(kuan)、脫(tuo)貧人(ren)口(kou)小(xiao)額信(xin)貸(dai)等政策(ce)，做(zuo)好(hao)易地(di)搬遷后續金(jin)(jin)融(rong)(rong)服(fu)務(wu)，加大(da)定(ding)點幫(bang)扶工作力度，強化(hua)金(jin)(jin)融(rong)(rong)支持(chi)脫(tuo)貧地(di)區政策(ce)效(xiao)果(guo)(guo)，激(ji)(ji)發(fa)脫(tuo)貧地(di)區和脫(tuo)貧群(qun)眾內生(sheng)(sheng)發(fa)展能力，接續推(tui)進(jin)脫(tuo)貧地(di)區經濟社會發(fa)展和脫(tuo)貧群(qun)眾生(sheng)(sheng)產生(sheng)(sheng)活(huo)改善(shan)。

　　二是(shi)深化(hua)(hua)農(nong)(nong)(nong)村金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)改(gai)革，構(gou)建(jian)農(nong)(nong)(nong)村金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)服(fu)務新(xin)(xin)機(ji)制(zhi)。堅持(chi)市(shi)場驅動和政策(ce)支(zhi)(zhi)持(chi)相(xiang)(xiang)結合，進(jin)一(yi)步完善(shan)與(yu)鄉(xiang)村振興發展相(xiang)(xiang)適應的農(nong)(nong)(nong)村金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)供給體系(xi)。深化(hua)(hua)涉農(nong)(nong)(nong)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)體制(zhi)機(ji)制(zhi)改(gai)革，推(tui)動開發性、政策(ce)性金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)加(jia)大對(dui)三(san)(san)農(nong)(nong)(nong)領(ling)(ling)域(yu)中長期(qi)信貸(dai)支(zhi)(zhi)持(chi)，鼓勵商業銀行為三(san)(san)農(nong)(nong)(nong)領(ling)(ling)域(yu)提供差別化(hua)(hua)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)服(fu)務，保(bao)持(chi)縣域(yu)法人(ren)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)總體穩(wen)定，完善(shan)農(nong)(nong)(nong)村金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)源(yuan)回流機(ji)制(zhi)，增加(jia)農(nong)(nong)(nong)村金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)源(yuan)有效供給。運用金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)技手段賦能鄉(xiang)村振興金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)服(fu)務，統(tong)籌推(tui)動農(nong)(nong)(nong)村金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)服(fu)務數字化(hua)(hua)轉型，發展農(nong)(nong)(nong)村數字普(pu)惠(hui)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)。積極發揮保(bao)險(xian)、資(zi)本市(shi)場等各類渠道支(zhi)(zhi)持(chi)鄉(xiang)村振興的作(zuo)用，形成與(yu)農(nong)(nong)(nong)村經濟高(gao)質量(liang)發展相(xiang)(xiang)適應的金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)服(fu)務新(xin)(xin)機(ji)制(zhi)。

　　三是(shi)堅(jian)持(chi)(chi)以市(shi)場(chang)需(xu)求(qiu)(qiu)為導向(xiang)，聚焦(jiao)重(zhong)點(dian)產(chan)(chan)業(ye)發(fa)展(zhan)(zhan)農(nong)(nong)村(cun)經(jing)濟(ji)。精準把握農(nong)(nong)村(cun)地(di)區特別(bie)是(shi)脫貧(pin)地(di)區產(chan)(chan)業(ye)發(fa)展(zhan)(zhan)的金融需(xu)求(qiu)(qiu)，以市(shi)場(chang)化、可持(chi)(chi)續的措(cuo)施加大金融支(zhi)(zhi)持(chi)(chi)力(li)度，豐富(fu)金融產(chan)(chan)品，促(cu)進(jin)縣域經(jing)濟(ji)發(fa)展(zhan)(zhan)。聚焦(jiao)國家(jia)糧食安全和鄉村(cun)產(chan)(chan)業(ye)發(fa)展(zhan)(zhan)，加大對高(gao)標準農(nong)(nong)田(tian)建設、糧食全產(chan)(chan)業(ye)鏈、種(zhong)業(ye)發(fa)展(zhan)(zhan)等(deng)重(zhong)點(dian)領域的融資支(zhi)(zhi)持(chi)(chi)，支(zhi)(zhi)持(chi)(chi)農(nong)(nong)村(cun)地(di)區培育和發(fa)展(zhan)(zhan)特色(se)(se)優勢產(chan)(chan)業(ye)，推動農(nong)(nong)村(cun)三次產(chan)(chan)業(ye)融合發(fa)展(zhan)(zhan)和綠色(se)(se)發(fa)展(zhan)(zhan)，著力(li)增強(qiang)三農(nong)(nong)領域對金融資源的承載力(li)。圍繞新型(xing)農(nong)(nong)業(ye)經(jing)營主體(ti)和小(xiao)農(nong)(nong)戶、脫貧(pin)人口等(deng)重(zhong)點(dian)群(qun)體(ti)，鼓(gu)勵(li)金融機構(gou)開發(fa)針對性強(qiang)、可持(chi)(chi)續的金融產(chan)(chan)品和服務(wu)模式，通過拓寬農(nong)(nong)業(ye)農(nong)(nong)村(cun)抵(di)質押物范圍、積極發(fa)展(zhan)(zhan)信(xin)用貸款等(deng)，為新型(xing)農(nong)(nong)業(ye)經(jing)營主體(ti)和小(xiao)農(nong)(nong)戶等(deng)群(qun)體(ti)發(fa)展(zhan)(zhan)生產(chan)(chan)、增收致富(fu)提供金融支(zhi)(zhi)撐。

　　四是(shi)有效完善融(rong)(rong)資(zi)配套機(ji)制，構建金(jin)(jin)融(rong)(rong)服務鄉(xiang)村振(zhen)興的(de)可持(chi)(chi)續(xu)運作(zuo)模式(shi)。更好地(di)發(fa)揮金(jin)(jin)融(rong)(rong)與財政、農(nong)(nong)(nong)業(ye)農(nong)(nong)(nong)村、鄉(xiang)村振(zhen)興等(deng)部門的(de)工作(zuo)合(he)(he)力，打通金(jin)(jin)融(rong)(rong)支(zhi)農(nong)(nong)(nong)政策落實落地(di)的(de)堵點(dian)、難點(dian)。推動搭(da)建金(jin)(jin)融(rong)(rong)支(zhi)持(chi)(chi)農(nong)(nong)(nong)業(ye)產業(ye)對接平臺(tai)，加大(da)財政獎補政策支(zhi)持(chi)(chi)力度，提高金(jin)(jin)融(rong)(rong)機(ji)構開(kai)展涉農(nong)(nong)(nong)信貸(dai)業(ye)務的(de)積極(ji)性和服務能(neng)力。強化涉農(nong)(nong)(nong)金(jin)(jin)融(rong)(rong)風險防控，充分發(fa)揮全國農(nong)(nong)(nong)業(ye)信貸(dai)擔(dan)保(bao)體系、國家(jia)融(rong)(rong)資(zi)擔(dan)保(bao)基金(jin)(jin)作(zuo)用，深化銀擔(dan)合(he)(he)作(zuo)，持(chi)(chi)續(xu)提升(sheng)農(nong)(nong)(nong)業(ye)保(bao)險保(bao)障水平，堅決守住不(bu)發(fa)生系統性金(jin)(jin)融(rong)(rong)風險底線。