农户贷款助力西藏农牧区信用体系智慧化发展|强壮公弄得小薇高潮

  中新网拉萨9月27日电 (李林)近日,农行西藏分行召开“信用西藏共同富裕”重构农村信用体系建设成果发布会。三十年来,农行西藏分行大力开展金融探索和实践,推动西藏农牧区信用体系从无到有、从有到优、从优到智。

  为解决当地民众因交通不便、缺乏抵押担保、信用评价不足等原因造成的贷款难问题,2001年3月,农行西藏分行推出以“金、银、铜”三卡为载体的小额信贷产品。

  西藏阿里地区札达县底雅乡民众拉巴顿珠一家正是这一政策的受益者,拉巴顿珠说,他们一家凭借“银卡”从农行底雅营业所贷来的资金,购买了一辆二手拖拉机,为周边工地提供运输服务,成了家庭生活变迁的转折点。近年,拉巴顿珠更是接过父亲的担子,成立了小型砂石厂和运输队,成为村里的致富带头人。

  2005年开始,在原有“三卡”基础上,农行西藏分行推出三级“钻石卡”,进一步丰富农户贷款产品体系。又先后5次根据农牧区发展实际,提升“四卡”(钻石卡、金卡、银卡、铜卡)贷款额度。

  与“四卡”相配套,农行西藏分行在全国范围内创造性开展县、乡(镇)、村三级信用体系创建工作,通过“四卡信用身份证+三级信用创建”,逐步构建起西藏农牧区信用新机制,推动解决了农牧区金融资源不平衡、不充分的问题。目前,农行西藏分行“四卡”贷款证发放量达46.03万张,发证面和使用率均在90%左右。

  为推动数字西藏建设,2019年以来,该行全面重构更加科学、智能、便捷的信用体系,不断加强金融科技建设,推动信用评价智能化、线上化,组建双语远程服务中心,充分释放信用体系在社会治理、民生服务、产业发展等方面的叠加效应,2025年三农个人贷款突破400亿元人民币。

  未来,农行西藏分行将持续巩固农牧区信用体系建设成果,将更多的金融“活水”引向乡村振兴重点领域和薄弱环节,让信用真正成为带动农牧民增收致富的格桑花。(完)

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发布于:北京市