Workflow
花椒酱
icon
Search documents
从藏羊抵押到非遗授信,高原农牧“钱紧”难题有了新解法
Jing Ji Guan Cha Wang· 2025-10-09 13:07
在青海省海拔3800米的高原草场上,90后的公保南杰算了一笔账:过去10年时间里,他创办的狼宁生态 畜牧业专业合作社(下称"狼宁合作社"),养殖的牦牛数量从10头增至千头,营业收入也从万元级攀升至 千万元级。 公保南杰对经济观察报记者说,10年前那笔来自当地农商行的5万元小额信用贷款,是他创业起步的"火 种"。 公保南杰的经历并非个例。在广袤的青海高原,农牧区金融痛点复杂多样,核心资产难作融资依据、信 用缺数据难评估、轻资产产业融资遇阻,再加上"服务远、流程繁",不少潜力产业被困在"缺钱"的死循 环里。 近期,经济观察报记者跟随青海省农村信用社联合社走进青海省海东市循化撒拉族自治县、青海省黄南 藏族自治州河南蒙古族自治县、青海省海南藏族自治州贵南县等地实地调研,发现多家农商行正跳出传 统信贷框架,不搞"一刀切"的宏大方案,而是以简化手续、定制产品、"信用村"等"小突破"精准破局, 让小牧场长成大合作社,让老手艺焕发新活力。 牦牛是"隐性资产" 2023年,狼宁合作社计划新增400头牦牛养殖,并建设标准化饲料加工车间。摆在公保南杰面前的一个 难题是,眼前手中的资金并不足以支撑后期的扩张及运营,面临200万元的资 ...
金融“黄马甲”: 打通政策落实“最后一公里”
Jin Rong Shi Bao· 2025-08-12 02:34
Group 1 - The financial volunteer investigation team in Bazhong City, led by the People's Bank of China, aims to enhance the standardization and normalization of financial services in county areas [1] - The team focuses on addressing urgent needs of local enterprises by conducting surveys and improving financial management and service levels [1][2] - Since its establishment in 2017, the team has coordinated with local departments and financial institutions to tailor solutions for businesses, resulting in the resolution of 14 requests from 9 enterprises [2] Group 2 - The team has implemented targeted financial policies to support local businesses, including a recent loan of 200 million yuan to a local enterprise [2][3] - The team has organized 84 volunteers to conduct outreach activities, visiting 175 enterprises and facilitating financing of 23 million yuan [3] - The team has also provided tailored financial services to specific sectors, such as a nursing center for the elderly, by offering a loan of 2.65 million yuan at a lower interest rate [4]