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屏山農商銀行發(fā)揮再貸款“造血”功能助力茶企業(yè)復工復產

2020-04-09 16:00:31    來源:   作者:  點擊數:

屏山縣位于四川盆地南緣,金沙江、岷江穿境而過,處向家壩、溪洛渡兩座特大型水電站結合部,是生態(tài)功能縣、國家級貧困縣,水電移民縣。近年來,當地充分發(fā)揮屏山綠色生態(tài)資源和富硒資源優(yōu)勢,把茶產業(yè)作為屏山“六大支柱”產業(yè)之首積極扶持和引導。2019年,全縣茶園面積達到21萬畝、干茶毛茶產值89億元、綜合產值25.5億元。茶產業(yè)已成為屏山縣脫貧增收最重要、最穩(wěn)定的支柱產業(yè)之一。2019年12月,屏山縣順利實現脫貧摘帽。

 

深入茶企車間,了解企業(yè)主春茶生產及資金需求情況

 

在省聯(lián)社的領導下,屏山農商銀行充分發(fā)揮農村金融、地方金融、普惠金融主力軍銀行作用,不斷將信貸資金重點向涉農領域傾斜,立足屏山縣自身資源稟賦優(yōu)勢,圍繞“公司+基地+農戶”發(fā)展模式,積極支持企業(yè)發(fā)揮“龍頭效應”,不斷加大對涉農企業(yè)的支持力度。

 

“沒想到第二天,我專合社就拿到了屏山農商銀行的100萬元貸款了,而且利率只有4.55%,有了這筆資金的扶持,專合社就可以向茶農支付鮮葉收購款了,這真是及時緩解了我們目前的資金占壓困境。”屏山縣永清白茶種植農民專業(yè)合作社負責人鐘永清說,“永清白茶是在屏山農商行的支持下發(fā)展壯大的,這是今年以來屏山農商銀行第二次運用再貸款對我的支持了。”

 

鐘永清是屏山縣中都鎮(zhèn)新權村人,1972年5月出生,1993-2010年期間,在中都鎮(zhèn)承包經營過茶場、在成都和西藏茶葉市場做過茶葉批發(fā)。2011年,鐘永清回鄉(xiāng)帶領農戶開始種植白茶,2011年成立屏山縣天仙玉葉茶葉有限公司,2013年年初,與208戶社員共同成立屏山縣永清白茶種植農民專業(yè)合作社,在當地黨政的支持下擴大白茶種植規(guī)模。自回鄉(xiāng)創(chuàng)業(yè)以來,鐘永清積極發(fā)展產業(yè)扶貧,全身心投入白茶種植支柱產業(yè),采用“公司+專合社+初制加工廠+基地+農戶+全程清潔化”的運作模式,走產、供、銷一體化經營服務體系,對促進地方經濟發(fā)展、帶動周邊群眾發(fā)家致富起到了重要作用。目前,已種植發(fā)展白茶3500多畝,帶動周邊10余個村的農戶種植白茶,其中6個為貧困村。先后被評為“四川省勞動模范”“宜賓市農村優(yōu)秀人才”“宜賓市農民工科技創(chuàng)新之星”。

 

一看二捏三聞,調查隊成員掌握第一手茶企生產情況

 

為進一步擴大生產規(guī)模,今年年初公司急需采購一批連續(xù)烘干機和全自動茶葉理條機,但是由于前期廠房擴建投入大量資金,設備款還缺200萬元,沒有新的設備,企業(yè)復工復產遇到了困難。“眼看著茶葉就要采摘了,但是設備還未到位,一想到這事,我就愁”,鐘永清說。在得知企業(yè)的困難后,屏山農商銀行采用“政擔銀企戶”五方聯(lián)動模式,利用扶貧再貸款向屏山縣天仙玉葉茶葉有限公司發(fā)放了200萬元,這200萬元以股權量化方式,通過保底分紅收入、鮮葉銷售收入、節(jié)本增效收入、吸收貧困戶進廠務工收入、雇用貧困戶在基地務工收入和入股分收入等多種方式,帶動中都鎮(zhèn)的100戶建卡貧困戶每年增收1.7萬元。公司有了這筆資金后,設備很快就到位,由于融資成本低,企業(yè)負擔不大,“再貸款”為企業(yè)接下來的復工復產鋪底做足了準備。

 

但是,由于今年新冠病毒的疫情影響,往年很多外地春茶收購大戶無法按期前來收購茶葉,造成該縣茶企訂單銳減,收入大幅下滑,春茶收購陷入困境。屏山縣永清白茶種植農民專業(yè)合作社的流動資金也同樣遇到了困難。屏山農商銀行再一次運用支農再貸款,及時向屏山縣永清白茶種植農民專業(yè)合作社發(fā)放主要社員保證貸款100萬元,再次緩解企業(yè)流動資金緊張的困難。

 

截至3月24日,屏山農商銀行今年已累計向107戶茶企和茶農發(fā)放貸款2644萬元,其中利用扶貧和支農再貸款金融工具發(fā)放的有1105萬元,涉及20戶茶葉加工企業(yè)和企業(yè)主。為切實發(fā)揮信貸資金“造血”功能,接下來屏山農商銀行將在省聯(lián)社的領導下,積極對接人民銀行,加快信貸資金發(fā)放,充分運用再貸款,保障全縣早茶正常收購,加快助力茶企復工復產。   

 

(文/彭雙紅)

 

責任編輯:FreeMarker template error: get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvstbe_6. See cause exception. The failing instruction (FTL stack trace): ---------- ==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50] ---------- Java stack trace (for programmers): ---------- freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$FastClassBySpringCGLIB$$48520056.invoke() at org.springframework.cglib.proxy.MethodProxy.invoke(MethodProxy.java:204) at org.springframework.aop.framework.CglibAopProxy$CglibMethodInvocation.invokeJoinpoint(CglibAopProxy.java:700) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:150) at org.springframework.transaction.interceptor.TransactionInterceptor$1.proceedWithInvocation(TransactionInterceptor.java:96) at org.springframework.transaction.interceptor.TransactionAspectSupport.invokeWithinTransaction(TransactionAspectSupport.java:260) at org.springframework.transaction.interceptor.TransactionInterceptor.invoke(TransactionInterceptor.java:94) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:172) at org.springframework.aop.framework.CglibAopProxy$DynamicAdvisedInterceptor.intercept(CglibAopProxy.java:633) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$EnhancerBySpringCGLIB$$6958ba50.content() at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365) at sun.reflect.GeneratedMethodAccessor8515.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at org.springframework.web.bind.annotation.support.HandlerMethodInvoker.invokeHandlerMethod(HandlerMethodInvoker.java:176) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.invokeHandlerMethod(AnnotationMethodHandlerAdapter.java:440) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.handle(AnnotationMethodHandlerAdapter.java:428) at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:919) at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:851) at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:953) at org.springframework.web.servlet.FrameworkServlet.doPost(FrameworkServlet.java:855) at javax.servlet.http.HttpServlet.service(HttpServlet.java:656) at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:829) at javax.servlet.http.HttpServlet.service(HttpServlet.java:737) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:229) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.web.websocket.server.WsFilter.doFilter(WsFilter.java:48) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.orm.hibernate3.support.OpenSessionInViewFilter.doFilterInternal(OpenSessionInViewFilter.java:230) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:88) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.ieccms.common.web.ProcessTimeFilter.doFilter(ProcessTimeFilter.java:35) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.webtier.core.DefaultWrapperValve.invoke(DefaultWrapperValve.java:193) at com.bes.enterprise.webtier.core.DefaultContextValve.invoke(DefaultContextValve.java:92) at com.bes.enterprise.webext.BesContextCleanupValve.invoke(BesContextCleanupValve.java:50) at com.bes.enterprise.webext.BESAppservValve.invoke(BESAppservValve.java:41) at com.bes.enterprise.webtier.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:540) at com.bes.enterprise.webtier.core.DefaultHostValve.invoke(DefaultHostValve.java:136) at com.bes.enterprise.webtier.valves.ErrorReportValve.invoke(ErrorReportValve.java:77) at com.bes.enterprise.webtier.core.DefaultEngineValve.invoke(DefaultEngineValve.java:83) at com.bes.enterprise.webtier.connector.CoyoteAdapter.service(CoyoteAdapter.java:349) at com.bes.enterprise.web.crane.http11.Http11Processor.service(Http11Processor.java:594) at com.bes.enterprise.web.crane.AbstractProcessorLight.process(AbstractProcessorLight.java:61) at com.bes.enterprise.web.crane.AbstractProtocol$ConnectionHandler.process(AbstractProtocol.java:802) at com.bes.enterprise.web.util.net.NioEndpoint$SocketProcessor.doRun(NioEndpoint.java:1627) at com.bes.enterprise.web.util.net.SocketProcessorBase.run(SocketProcessorBase.java:45) at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149) at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624) at com.bes.enterprise.web.util.threads.WorkThread$WrappingRunnable.run(WorkThread.java:57) at java.lang.Thread.run(Thread.java:748) Caused by: java.lang.reflect.InvocationTargetException at sun.reflect.GeneratedMethodAccessor7319.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:912) at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:275) at freemarker.ext.beans.BeanModel.get(BeanModel.java:182) ... 75 more Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [com.ieccms.cms.entity.main.CmsUser#305] at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:435) at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:189) at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:182) at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:215) at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190) at com.ieccms.cms.entity.main.CmsUser_$$_jvstbe_6.getRealname(CmsUser_$$_jvstbe_6.java) ... 81 more