中(zhong)證網訊（記者 張玉潔）近(jin)日(ri)，中(zhong)國(guo)證券報(bao)記者獲悉，為全力做好當前防汛救災(zai)金(jin)融服務工(gong)作(zuo)，農(nong)業銀行(xing)（后簡(jian)稱(cheng)(cheng)為農(nong)行(xing)）加大政策(ce)支持力度，優化(hua)政策(ce)保障措施(shi)，及時修訂《中(zhong)國(guo)農(nong)業銀行(xing)水(shui)(shui)(shui)利(li)貸款(kuan)管(guan)理辦法》（以下簡(jian)稱(cheng)(cheng)《辦法》），優先滿(man)足抗災(zai)救災(zai)和災(zai)后重建(jian)信貸資金(jin)需求。截至(zhi)6月末(mo)，農(nong)行(xing)水(shui)(shui)(shui)利(li)貸款(kuan)余額3777.26億元，較年初增加173.21億元；上半年全行(xing)累計投放(fang)水(shui)(shui)(shui)利(li)貸款(kuan)731.80億元，同(tong)比(bi)多(duo)投放(fang)292.99億元。特別是進入汛期以來(lai)，6月份農(nong)行(xing)累計投放(fang)水(shui)(shui)(shui)利(li)貸款(kuan)107.21億元，同(tong)比(bi)增長38.91%，其中(zhong)向(xiang)重慶(qing)、江(jiang)西、安(an)徽、湖北、湖南、江(jiang)蘇、浙江(jiang)等七個發(fa)生嚴重洪(hong)澇(lao)災(zai)害(hai)的(de)省投放(fang)水(shui)(shui)(shui)利(li)貸款(kuan)46.15億元，同(tong)比(bi)增長127.68%。

　　增加貸款品(pin)種滿足水利項目全(quan)周期資金需求(qiu)

　　據介(jie)紹(shao)，修訂后的(de)《辦(ban)法》擴(kuo)大(da)(da)了(le)信貸支持水(shui)(shui)(shui)(shui)(shui)利(li)項(xiang)(xiang)目(mu)(mu)的(de)范圍，實現了(le)水(shui)(shui)(shui)(shui)(shui)利(li)項(xiang)(xiang)目(mu)(mu)全(quan)(quan)周期資(zi)金需(xu)求。農(nong)(nong)行(xing)重點支持四大(da)(da)類水(shui)(shui)(shui)(shui)(shui)利(li)項(xiang)(xiang)目(mu)(mu)，一是(shi)樞紐工(gong)(gong)(gong)程(cheng)(cheng)(cheng)，主(zhu)要包括水(shui)(shui)(shui)(shui)(shui)庫、大(da)(da)型泵站、大(da)(da)型攔河水(shui)(shui)(shui)(shui)(shui)閘(zha)以及其他大(da)(da)型水(shui)(shui)(shui)(shui)(shui)利(li)建(jian)筑物。二(er)是(shi)引(yin)水(shui)(shui)(shui)(shui)(shui)工(gong)(gong)(gong)程(cheng)(cheng)(cheng)，主(zhu)要包括供水(shui)(shui)(shui)(shui)(shui)工(gong)(gong)(gong)程(cheng)(cheng)(cheng)（含(han)引(yin)調水(shui)(shui)(shui)(shui)(shui)工(gong)(gong)(gong)程(cheng)(cheng)(cheng)、水(shui)(shui)(shui)(shui)(shui)源工(gong)(gong)(gong)程(cheng)(cheng)(cheng)、農(nong)(nong)田水(shui)(shui)(shui)(shui)(shui)利(li)工(gong)(gong)(gong)程(cheng)(cheng)(cheng)等(deng)）、灌(guan)溉工(gong)(gong)(gong)程(cheng)(cheng)(cheng)（含(han)農(nong)(nong)業節(jie)水(shui)(shui)(shui)(shui)(shui)工(gong)(gong)(gong)程(cheng)(cheng)(cheng)、大(da)(da)型灌(guan)區建(jian)設(she)(she)工(gong)(gong)(gong)程(cheng)(cheng)(cheng)）等(deng)。三是(shi)河道工(gong)(gong)(gong)程(cheng)(cheng)(cheng)，主(zhu)要包括堤防(fang)工(gong)(gong)(gong)程(cheng)(cheng)(cheng)、河湖整治(zhi)工(gong)(gong)(gong)程(cheng)(cheng)(cheng)、跨界河流(liu)開(kai)發治(zhi)理工(gong)(gong)(gong)程(cheng)(cheng)(cheng)等(deng)。四是(shi)其他水(shui)(shui)(shui)(shui)(shui)利(li)基(ji)礎設(she)(she)施(shi)項(xiang)(xiang)目(mu)(mu)。針(zhen)對水(shui)(shui)(shui)(shui)(shui)利(li)項(xiang)(xiang)目(mu)(mu)建(jian)設(she)(she)前期和(he)建(jian)成運營后的(de)融資(zi)需(xu)求，修訂后的(de)《辦(ban)法》增加了(le)項(xiang)(xiang)目(mu)(mu)前期周轉貸款(kuan)和(he)流(liu)動(dong)資(zi)金貸款(kuan)品種，從(cong)過去重點支持水(shui)(shui)(shui)(shui)(shui)利(li)項(xiang)(xiang)目(mu)(mu)建(jian)設(she)(she)到現在滿足(zu)水(shui)(shui)(shui)(shui)(shui)利(li)項(xiang)(xiang)目(mu)(mu)“投資(zi)—建(jian)設(she)(she)—運營”全(quan)(quan)周期資(zi)金需(xu)求。

　　延(yan)長貸款期限滿足水利項目長期資金需(xu)求

　　為滿足水(shui)(shui)利(li)項(xiang)目(mu)長期(qi)(qi)資金需求，修(xiu)訂后的(de)(de)《辦法》對水(shui)(shui)利(li)貸(dai)款(kuan)(kuan)總期(qi)(qi)限、提款(kuan)(kuan)有效期(qi)(qi)和寬限期(qi)(qi)進行(xing)(xing)了調整(zheng)，將(jiang)貸(dai)款(kuan)(kuan)總期(qi)(qi)限由15年延長至項(xiang)目(mu)建設(she)期(qi)(qi)加上(shang)20年，如需超(chao)過上(shang)述期(qi)(qi)限的(de)(de)，可報總行(xing)(xing)核(he)批后實施。國家172項(xiang)重(zhong)(zhong)點水(shui)(shui)利(li)工(gong)程或省級(ji)及以上(shang)的(de)(de)重(zhong)(zhong)點水(shui)(shui)利(li)項(xiang)目(mu)、以及總行(xing)(xing)級(ji)核(he)心客戶或行(xing)(xing)業重(zhong)(zhong)點客戶承貸(dai)的(de)(de)水(shui)(shui)利(li)項(xiang)目(mu)，貸(dai)款(kuan)(kuan)總期(qi)(qi)限超(chao)過項(xiang)目(mu)建設(she)期(qi)(qi)加上(shang)20年的(de)(de)，可由一級(ji)分行(xing)(xing)自主確(que)定。

　　豐富水利(li)項(xiang)目(mu)融(rong)資形式和(he)抵質(zhi)押種類

　　考慮(lv)到(dao)部分水利(li)(li)項目采(cai)(cai)取PPP模式籌集資金(jin)，新修訂的《辦(ban)法》明確提出水利(li)(li)項目融資可采(cai)(cai)用(yong)(yong)PPP模式，并執行(xing)(xing)農行(xing)(xing)PPP信貸(dai)管(guan)理(li)規(gui)定(ding)。根(gen)據水利(li)(li)行(xing)(xing)業借款(kuan)人運(yun)轉特點，在(zai)增加流動(dong)資金(jin)貸(dai)款(kuan)品種(zhong)的基礎上，《辦(ban)法》提出流動(dong)資金(jin)貸(dai)款(kuan)可采(cai)(cai)用(yong)(yong)一般方式或可循環(huan)方式。采(cai)(cai)用(yong)(yong)可循環(huan)方式的，可循環(huan)貸(dai)款(kuan)額度(du)有(you)效(xiao)期不超過2年。同時，《辦(ban)法》將(jiang)可用(yong)(yong)于抵質押的權益(yi)(yi)種(zhong)類進一步擴大至水利(li)(li)項目的供(gong)水應收(shou)賬(zhang)款(kuan)、水利(li)(li)項目收(shou)益(yi)(yi)權、環(huan)保項目收(shou)益(yi)(yi)權和污(wu)水處理(li)收(shou)益(yi)(yi)權等，以上權益(yi)(yi)均(jun)可單獨(du)設押。

　　修訂后的(de)(de)《辦法》明確要求(qiu)農(nong)行(xing)各(ge)級行(xing)要加強與水(shui)(shui)利(li)管理部門的(de)(de)溝通合(he)作(zuo)，采取(qu)切(qie)實有(you)效(xiao)的(de)(de)措(cuo)施，加大對防汛抗旱、農(nong)村供水(shui)(shui)保障、農(nong)田水(shui)(shui)利(li)建設等重點領域和水(shui)(shui)利(li)重點樞紐工(gong)程(cheng)、引水(shui)(shui)工(gong)程(cheng)、河道工(gong)程(cheng)等重大項目的(de)(de)信貸投放(fang)，全力(li)做(zuo)好水(shui)(shui)利(li)行(xing)業金融服務工(gong)作(zuo)。