構(gòu)建新型銀擔(dān)合作機(jī)制 破解民營(yíng)企業(yè)融資難題——漢源農(nóng)信聯(lián)社助推鄉(xiāng)村振興和民營(yíng)企業(yè)健康發(fā)展

2019-03-11 17:02:47    來(lái)源：   作者：  點(diǎn)擊數(shù)：

從2009年投資30萬(wàn)元成立的花椒產(chǎn)品加工作坊，漢源縣永豐和食品廠借助漢源素有“中國(guó)花椒之鄉(xiāng)”美譽(yù)，初期以個(gè)體工商戶家庭作坊形式生產(chǎn)漢源貢椒及其衍生產(chǎn)品，到10年后的今日已實(shí)現(xiàn)產(chǎn)值達(dá)4500萬(wàn)元的現(xiàn)代農(nóng)業(yè)產(chǎn)業(yè)化龍頭企業(yè)，漢源永豐和食品廠的發(fā)展速度令人贊嘆。這其中的制勝之道，得益于漢源農(nóng)信聯(lián)社按照省聯(lián)社以實(shí)施鄉(xiāng)村振興戰(zhàn)略為總抓手的工作要求，積極響應(yīng)省聯(lián)社黨委提出“四川農(nóng)信，助力鄉(xiāng)村振興”的時(shí)代號(hào)召，切實(shí)加大金融資源傾斜力度，解決民營(yíng)企業(yè)和小微企業(yè)“融資難、融資貴”問(wèn)題。

發(fā)展路上遇荊棘

從小作坊起步，伴隨著多年的苦心經(jīng)營(yíng)與搶占市場(chǎng)，永豐和食品廠的生產(chǎn)規(guī)模不斷擴(kuò)大，在2015年已完成年產(chǎn)2000噸花椒系列精產(chǎn)品加工生產(chǎn)線新廠建設(shè)，項(xiàng)目總投資已達(dá)到7200萬(wàn)元。由于花椒的生產(chǎn)及加工具有顯著的季節(jié)性特點(diǎn)，需要在花椒上市季節(jié)大量收購(gòu)用于生產(chǎn)，儲(chǔ)備生產(chǎn)出來(lái)的花椒油，用于全年銷售。為了提升漢源轄內(nèi)花椒種植農(nóng)戶的收益，永豐和食品廠在收購(gòu)原材料時(shí)直接從種植農(nóng)戶中收購(gòu)花椒，既能保證花椒原材料的原產(chǎn)地品質(zhì)又能在“無(wú)中間商轉(zhuǎn)差價(jià)”的情況下提升椒農(nóng)收益。但從椒農(nóng)手中直接收取花椒要通過(guò)現(xiàn)金交易方式“手手清”，需要企業(yè)大量現(xiàn)金儲(chǔ)備，而上游輔料供應(yīng)商應(yīng)付賬款的期限縮短和下游經(jīng)銷商應(yīng)收賬款期限的延長(zhǎng)，以及大量花椒油存貨的儲(chǔ)備給永豐和食品廠在下個(gè)花椒成熟收購(gòu)季資金儲(chǔ)備帶來(lái)很大壓力。2019年，永豐和食品廠計(jì)劃生產(chǎn)花椒油800噸，預(yù)計(jì)生產(chǎn)投資額4500萬(wàn)元，加上企業(yè)自有資金和通過(guò)多方籌資，仍有近500萬(wàn)的資金缺口。而前期永豐和食品廠已在漢源農(nóng)信聯(lián)社通過(guò)固定資產(chǎn)抵押貸款取得了2600萬(wàn)元的信貸支持，已無(wú)充足的抵押物再進(jìn)行貸款融資。

銀擔(dān)合作解難題

去年初冬，正值永豐和食品廠為下個(gè)花椒成熟收購(gòu)季的500萬(wàn)元資金缺口發(fā)愁時(shí)，雅安市金融支持鄉(xiāng)村振興和民營(yíng)經(jīng)濟(jì)發(fā)展座談會(huì)召開(kāi)，永豐和食品廠作為漢源農(nóng)信聯(lián)社民營(yíng)企業(yè)客戶代表參會(huì)且作發(fā)言交流。為響應(yīng)金融機(jī)構(gòu)大力支持民營(yíng)企業(yè)發(fā)展的號(hào)召，漢源農(nóng)信聯(lián)社會(huì)后與人民銀行雅安中支和雅安市企業(yè)融資擔(dān)保有限責(zé)任公司組成調(diào)研組，深入永豐和食品廠生產(chǎn)車間對(duì)該企業(yè)進(jìn)行調(diào)研考察。在實(shí)地了解該企業(yè)面臨的融資困難后，調(diào)研三方迅速形成了采用“金融機(jī)構(gòu)+擔(dān)保公司+支農(nóng)再貸”的新型銀擔(dān)合作機(jī)制的共識(shí)。

“金融機(jī)構(gòu)+擔(dān)保公司+支農(nóng)再貸”模式，即雅安市企業(yè)融資擔(dān)保有限責(zé)任公司將民營(yíng)企業(yè)政策性擔(dān)保費(fèi)率由2.5%降至1.5%，為永豐和食品廠作政策性擔(dān)保，再由人民銀行雅安中支向漢源農(nóng)信聯(lián)社提供5000萬(wàn)元支農(nóng)再貸款資金，其中500萬(wàn)元指定用于支持永豐和食品廠下個(gè)花椒成熟收購(gòu)季的資金儲(chǔ)備，在此基礎(chǔ)上，漢源農(nóng)信聯(lián)社采用支農(nóng)再貸款資金向永豐和食品廠發(fā)放流動(dòng)性貸款500萬(wàn)元。這種機(jī)制的創(chuàng)新運(yùn)用，不僅進(jìn)一步發(fā)揮了銀擔(dān)合作優(yōu)勢(shì)，滿足了民營(yíng)企業(yè)發(fā)展的資金需求，有效依托支農(nóng)再貸款的利率優(yōu)惠支持，三方合力降低了企業(yè)融資成本，更切實(shí)解決了該食品廠下個(gè)花椒成熟收購(gòu)季的資金缺口和需求，實(shí)現(xiàn)了金融有效助推民營(yíng)企業(yè)發(fā)展壯大的目的。（康雪嵩）

責(zé)任編輯：FreeMarker template error: get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvst43_6. See cause exception. The failing instruction (FTL stack trace): ---------- ==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50] ---------- Java stack trace (for programmers): ---------- freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$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$$9500d33c.content() at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365) at sun.reflect.GeneratedMethodAccessor63729.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.GeneratedMethodAccessor62895.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_$$_jvst43_6.getRealname(CmsUser_$$_jvst43_6.java) ... 81 more

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