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

2019-03-11 17:02:47    來源:   作者:  點(diǎn)擊數(shù):

從2009年投資30萬元成立的花椒產(chǎn)品加工作坊,漢源縣永豐和食品廠借助漢源素有“中國花椒之鄉(xiāng)”美譽(yù),初期以個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”的時代號召,切實(shí)加大金融資源傾斜力度,解決民營企業(yè)和小微企業(yè)“融資難、融資貴”問題。

發(fā)展路上遇荊棘

從小作坊起步,伴隨著多年的苦心經(jīng)營與搶占市場,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),項目總投資已達(dá)到7200萬元。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)大量收購用于生產(chǎn),儲備生產(chǎn)出來的花椒油,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原材料時直接從種植農(nóng)戶中收購花椒,既能保證花椒原材料的原產(chǎn)地品質(zhì)又能在“無中間商轉(zhuǎn)差價”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現(xiàn)金交易方式“手手清”,需要企業(yè)大量現(xiàn)金儲備,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,以及大量花椒油存貨的儲備給永豐和食品廠在下個花椒成熟收購季資金儲備帶來很大壓力。2019年,永豐和食品廠計劃生產(chǎn)花椒油800噸,預(yù)計生產(chǎn)投資額4500萬元,加上企業(yè)自有資金和通過多方籌資,仍有近500萬的資金缺口。而前期永豐和食品廠已在漢源農(nóng)信聯(lián)社通過固定資產(chǎn)抵押貸款取得了2600萬元的信貸支持,已無充足的抵押物再進(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花椒成熟收購季的500萬元資金缺口發(fā)愁時,雅安市金融支持鄉(xiāng)村振興和民營經(jīng)濟(jì)發(fā)展座談會召開,永豐和食品廠作為漢源農(nóng)信聯(lián)社民營企業(yè)客戶代表參會且作發(fā)言交流。為響應(yīng)金融機(jī)構(gòu)大力支持民營企業(yè)發(fā)展的號召,漢源農(nóng)信聯(lián)社會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。

“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5000萬元支農(nóng)再貸款資金,其中500萬元指定用于支持永豐和食品廠下個花椒成熟收購季的資金儲備,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)放流動性貸款500萬元。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,滿足了民營企業(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花椒成熟收購季的資金缺口和需求,實(shí)現(xiàn)了金融有效助推民營企業(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