北京pk10

探寻经验 破解困境
——解码优化农村金融环境的深圳模式

 nongcunyizhibeirenweishiyigehenyouqianlideshichang,suizhejinnianlainongcuntudiliuzhuandejiasu,chanyelianshangsuoyoudecanyuzhedouchengweilejinrongshichangdeqianzaikehu。shangyoudenongzijingxiaoshang、lingshoudian,zhongyoudenonghu、nongchang,xiayoudenongchanpinshougoushang、jingjirendoucunzaizijinxuqiu,danshiyouyuzhengxinqueshi、fengkongfuza、chengbenshouyinanyipinghengdengyuanyin,nongcunjinrongbeijingpk10haiyouhendadetishengkongjian,yeyouhendadeshichangkongjian。

北京pk102019nianshenzhenshiguominjingjiheshehuifazhantongjigongbaoxianshi,2019nianshenzhenshidiyichanyezengjiazhiwei25.2yiyuan,zhanquanshidiqushengchanzongzhidebizhongjinwei0.1%,“zheixieshujubiaozhizhenongyezaishenzhenkejibenhulvebuji,keyishuo,shenzhenshiyizuomeiyounongmin、meiyounongyedechengshi。ranersuizhelejiedishenru,beijingpk10quefaxian,shenzhensuiranmeiyounongye,danqueyounuopuxin、baiguoyuandengnongyelongtouqiye,zheizhongshichangxianxiangyinqilebeijingpk10deguanzhu,yushibeijingpk10zuchenglezhuantidiaoyanzu,changshizhaoxunshenzhennongcunjinrongdezuji、jiemayouhuanongcunjinronghuanjingdeshenzhenmoshi。”qingdaoshidisanpifushenzhentiwushixunduilingduizhaofahaishuo。

深圳农金圈金融模式的探索

由于没有农业,深圳的农村商业银行、村镇银行业务对象主要也是中小企业。调研组在深圳市金融商会拜访过程中偶然了解到了深圳农金圈金融北京pk10有限公司,该公司是农资龙头上市公司——深圳诺普信农化股份有限公司牵头设立的致力于农业普惠金融高新科技创新型企业,股东包括深创投、百果园等行业龙头企业。实训队员张宇说,“农金圈是一个切入农业供应链场景的科技金融平台,自2015年3月15日上线以来,已推出“种植贷”、“农机贷”、“经销商贷”、“冬储贷”、“收储贷”等农资消费和供应链金融借贷北京pk10,项目覆盖全国26个省及自治区、1000多万亩耕地面积。”


diaoyanzudiaoyandezhi,shenzhennongjinquanjinrongbeijingpk10youxiangongsiqixiabaokuo“nongfadai、bugunongchang、nongjinzulin、nongjinbaoli、nongjinzhengxin”dengpingtai,“bugunongchang”yu“nongfadai”erzhegongtongxingchengtouzilicaihejiedairongzidexianshangxianxiabihuan,tongguowajuenongyechanyeliantiaoshanggefangxinyong,youxiaojiejuechanyelianzhongxiangguanzhuti“rongzinanrongzigui”wenti。

北京pk10“shenzhendeyinxingkeyituonongjinquanweiyuanliaogongyingshang、nongzichangshang、jingxiaoshang、lingshoushangxingchengnongzigongyinglianchangjing,zhongzi、huafei、nongyao、nongjixingchengnongzixiaofeichangjingtigongyizhengtaogongyinglianjinrongjiejuefangan,”shixunduiyuanzhongjiyunshuo,“gongyinglianjinrongshihexinqiyeyuyinxingjiandachengde,mianxianggongyingliansuoyouchengyuanqiyedexitongxingrongzianpai。gongyinglianzuidadetedianjiushizaigongyinglianzhongxunzhaoyigedadehexinqiye,yihexinqiyeweichufadian,weigongyingliantigongjinrongzhichi。shenzhennuopuxinnonghuagufenyouxiangongsizuoweiyijianongyaoshangshigongsizhangwozhedaliangdexiayouyouzhikehuhegongxiaoshuju,jiukeyizuoweigongyinglianzhongdehexinqiye。”

北京pk10julejie,zaishenzhendegongyinglianjinrongmoshixia,yinxingkeyizhanzaichanyegongyingliandequanjuhegaodu,xiangsuoyouchengyuanqiyejinxingrongzianpai,tongguozhongxiaoqiyeyuhexinqiyedezixinkunbanglaitigongshouxin,xiangyuanliaogongyingshangtigongdaikuanjishishoudadebianli,xiangnongzifenxiaoshangtigongyufukuandaifujicunhuorongzibeijingpk10,xingchengnongzigongyinglianchangjinghenongzixiaofeichangjing,erqiegongyinglianjinrongbujuxianyuchuantongshouxin,tongshibaokuochengdui、piaoju、xinyongzhengdengduozhongjinronggongju。zhongjiyunshuo,“nongjinquanyu‘jinzhengda、nuopuxin、zhonghua、longpinggaoke、taoshiyinong’deng60yujiaguoneiwaihuafei、nongyao、nongji、zhongzidenglongtouchangshangjinxinghezuo,changshanghuixiangnongjinquantuijianyouzhidenongzijingxiaoshang,tigonglinianjiaoyiwanglaideshujujipingzheng,tongguozheixietuijianmingdan、lishishuju,nongjinquankeyicongquanguo10wanyujianongzijingxiaoshangzhong,chubushaixuanchuyouzhidebaimingdankehu。”

diaoyanguochengzhong,shenzhenshijinrongshanghuidexiangguanfuzerengaosushixunduiyuan,zainongjinquanjingxuandezuowuchanquzhong,changshangdeyewuyuanhuijiangbaimingdanxinxigaozhixiangguanjingxiaoshang,jinxingzhudongchuda,nongjinquantuanduizaitongguojianyixianchangjindiao,bingjieheliniandeshuju,zaiqishangxiayouquanzizhongjinxingjiaochayanzheng,yunyongziyoude“jiase”nongyefengkongxitong,jiehewaibushujuhezhengxinjiekoulaipanduanshenpiedu;tongli,jingguozhunrudenongzijingxiaoshangyehuixiangnongjinquantuijianxiayoudeyouzhinonghuhuonongchang,zaitigongnonghudelishijiaoyishujuhepingzhenghou,nongjinquanjiukeyibayewujinyibuxiachen,duizheixieyouzhidenonghujinxingzizhishenhe,weiqitigongzijinzhichi。“yibanlaishuo,nongjinquangengqinglaiyou3-5nianzhongzhilishi,jubeizhuanyezhongzhiguanlinengli,linianzuowushouchengqingkuanglianghaodenonghu,shenhetongguolvyibanzai70%yishang。ernongzijingxiaoshang、nonghuzaizhenggejingying、zhongzhizhouqizhong,kesuishitongguoapphuozheweixinbeijingpk10haofaqiyongkuanshenqing,zaishenpiedunei,nongjinquant+1rijiubasuoxuzijinshoutuozhifudaoyongtufang。”shenzhenshijinrongshanghuixiangguanfuzerenjieshaoshuo。

shixunduiyuananshengqiangshuo,“gongyinglianjinrongzuidadehaochushi,yifangmianjiangzijinyouxiaozhuruchuyuxiangduiruoshideshangxiayouzhongxiaoqiye,jiejuezhongxiaoqiyerongzinanhegongyinglianshihengwenti;lingyifangmianjiangyinxingdexinyongrongrushangxiayouqiyedegouxiaoxingwei,zengqiangqishangyexinyong,cujinzhongxiaoqiyeyuhexinqiyejianlizhangqizhanlvexietongguanxi,tishenggongyingliandejingzhengnengli。chuzaigongyinglianshangdeqiyeyidanhuodeyinxingdezhichi,zijinzhurupeitaoqiye,yejiudengyujinrulegongyinglian,congerkeyijihuozhenggeliantiaodeyunzhuan,erqiyejiezhuyinxingxinyongzhichi,haiweizhongxiaoqiyeyingdegengduoshangji。”

深圳农金圈金融模式面临的挑战与机遇

suizhediaoyandeshenru,diaoyanzufaxian,youyujinrongxingyefengxiandewaiyixing,jiyuwangdaimoshidajianqidenongjinquanyewumoshiyemianlinyidingdefengxianyinhuan。yifangmian,tamencongjianguanbumenlejiedao,dangqianquanguobaokuoshenzhenzaineizhengzaituijinwangdaijigoudefengxianchuzhi,2019nianshenzhenshiliangxingtuichudewangdaijigouda203jia,qizhongbufaguoqibeijing、shangshigongsibeijingjigou,qitajigouzhengzailuxuliangxingqingsuantuichuhuojinxingzhuanxingfazhan,baokuonongjinquanxitongneidebugunongchang、“jiase”jinrongyemianlintongyangdewenti。lingyifangmian,tamenrenweijiaoyishujudezhenshixingjiyingshouzhangkuandequequanyizhishigongyinglianjinrongtixidetongdian,ersheji“sannong“degongyinglianjinronggengshizengjialeshujujiaochajianyandenandu,shiderongzixingweixianrukunjing。

jiyushangshufengxianyinhuan,diaoyanzurenwei,suiranjiyuwangdaidenongjinquanjinrongmoshishoudaoxianshidekunrao,mianlinzheyewuzhuanxinghuotuichudeyali,dannongjinquanjinrongmoshideluojisilu,yuzaishengchanlingyutuijingongyinglianjinrongdesiluyimaixiangcheng,liyongchanyelian、gongyingliantuijinnongcunjinrongbeijingpk10desiluzhidejiejian。shixunduiyuananshengqiangshuo,“muqianshangyeyinxingzhengzaijinxingjingyingzhanlvezhuanxing,pingtaihua、changjinghua、xianshanghuadekaifangyinxingronghesiweizhengyinlingzhexindefangxiang,gongyinglianjinrongbujinhuichengweiqiyelirunyuanquan,genghuichengweiqiaodongnongcunjinrongdeqianglizhidian。”

取他山之石的青岛建议

北京pk10zaishendulejieleshenzhennongjinquanjinrongmoshideyunzuoqingkuangzhihou,diaoyanzurenweiruguonengzaiqingdaodazaoyige“hulianwang+nongcunjinrong”zonghebeijingpk10pingtai,jiangxiangguanxinxiheziyuanjinxingzhenghe,huokejiejuemuqiannongcunjinrongshichangcunzaidezhengxinqueshi、fengkongfuza、chengbenshouyinanyipinghengdengzhiyuenongcunjinrongfazhandezhuduowenti,jinertishengjinrongbeijingpk10nongcunjingjidezhixiaoheshuiping。shixunduiyuanliumingshuo,“shandongshizhongguodenongyedasheng、renkoudasheng,qingdaoshizuoweiquanshengnaizhiquanguozhongyaodeyanhaikaifangchengshi,tansuojianli‘hulianwang+nongcunjinrong’dezonghebeijingpk10pingtai,keyimanzu‘sannong’duoyanghua、duocengci、gaopinzhidejinrongbeijingpk10xuqiu。”

北京pk10jujieshao,“hulianwang+nongcunjinrong”dezonghebeijingpk10pingtaizhuyaoyouliangfangmiandegongneng,yishikeyijiejianshengchanlingyutuijingongyinglianjinrongdesilu,tigongnongcunjingjichanyelianshangsuoyoucanyuzhedexinxi,xingchengchanyelianbihuanlaishaixuankehu,yibiangengjiajingzhundijinxingnongcunjinrongbeijingpk10,ershikeyiyuqitahulianwangpingtaihezuo,rangjinrongjigouyuqitajigounenggoudadaoziyuangongxiang,congerkeyiweikehuliangshendingzhiduoyanghuadejinrongbeijingpk10chanpin,shenzhikeyichangshikaifazhuanyedeappruanjian,rangzhinengkehuduanbeijingpk10yujinrongjigourichangyewudedaoronghe,youhuakehudezhengtibeijingpk10ganshou。liumingshuo,“biru,zaizheigepingtaishang,zhenggezhongzhishengchanliantiaokeyijiangyuanliaogongyingshang、nongzichangshang、jingxiaoshang、lingshoushangxingchengnongzigongyinglianchangjing,jiangzhongzi、huafei、nongyao、nongjidengqiyexingchengnongzixiaofeichangjing,er‘hulianwang+nongcunjinrong’zonghebeijingpk10pingtaijiangjinjinweiraozhenggenongyechanyelianbihuanlaishaixuanhetuisongkehu,duiyujinrongjigoueryan,biankejishitigongjingzhundejinrongbeijingpk10,zheijiangdadajiangdiqihuokechengben,tigaojinrongbeijingpk10dejijixing。zaibiru,kehuketongguopingtaizhuanyedeappruanjianxiangjinrongjigoufaqidaikuanshenqing,jinrongjigoukejiehewaibushujuhezhengxinjiekoulaipanduanshenpiedu,bawoxindaifengxian,congerjiangdiqikehubeijingpk10chengbenhefengxianchengben,nongzijingxiaoshang、nonghuzaizhenggejingying、zhongzhizhouqizhong,kesuishitongguoappchaxunshangxiayouqiyejingyingxuqiujixinyongqingkuang。”

北京pk10zaidashuju、qukuailian、wulianwangdengxinjishufazhanxunmengdexingshixia,mianduiyongyouquanguozuilingxianjinrongkejishengtaihuanjingdeshenzhenshi,qingdaoshidisanpifushenzhentiwushixunduiquejiangmuguangjujiaodaolenongcunjinrongbeijingpk10zheigelingyu。mianduinongcunjinrongguangkuodeshichangkongjianhexuqiu,ruhechongfenliyongjinrongkejifuneng,zaiyouxiaofangfanjinrongfengxiandeqiantixia,tongguochipaidezhengguijinrongjigoudesiluchuangxin、moshichuangxin、shengtaichuangxin,genghaodibeijingpk10nongye、nongcunfazhan,jishishenzhenmianlindejiyuyutiaozhan,yeshiliujiqingdaoyidaoxianshikaoti。“xueshenzhen ganshenze”bixuzhenxuezhengan,beijingpk10xiwangqingdaodejinrongjigounenggoujiejianshenzhennongjinquandejingyan,dadandichuangxinyewumoshihefangshi,tansuodazao‘hulianwang+nongcunjinrong’zonghebeijingpk10pingtai,rangnongcunjinrongbeijingpk10chashangkejidechibang,zaizheiyilingyuqudegemingxingdetupo。


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