“過(guo)去我們想貸5000元(yuan)都很難，現在我卻(que)貸到了10萬(wan)元(yuan)，信用社對我的(de)幫助太大(da)了。”3月(yue)9日，柘榮縣黃柏鄉(xiang)高(gao)峰村村民張松柏高(gao)興(xing)地說。
過去張(zhang)松柏一直在(zai)外打工，這兩年看著村里的(de)人種茶(cha)(cha)葉(xie)、太子(zi)參收入都不錯，讓(rang)他(ta)有了回村發(fa)展的(de)念(nian)頭(tou)。不久前(qian)，他(ta)聽(ting)說個人可以向農村信(xin)用(yong)社(she)(she)貸款(kuan)，便試著向黃柏鄉信(xin)用(yong)社(she)(she)提出了貸款(kuan)申(shen)請。沒(mei)想到信(xin)用(yong)社(she)(she)經過評估后同意給他(ta)貸款(kuan)10萬元(yuan)，他(ta)今年打算種植太子(zi)參、茶(cha)(cha)葉(xie)20多(duo)畝，并(bing)用(yong)這筆錢購買化肥、農藥、機械等物資。
據該鄉(xiang)信用(yong)社負責人(ren)介紹，農戶只要提供(gong)購銷合同(tong)、村委證明(ming)、抵押物等相(xiang)關材料(liao)，當天(tian)提交申請，當天(tian)即可發(fa)放到(dao)位。今年該社已發(fa)放貸(dai)款10余筆，單筆最(zui)高達75萬元。
近年來，在支農(nong)(nong)(nong)措施上，柘榮縣不斷創新(xin)農(nong)(nong)(nong)村金融產品和服務方式(shi)，努力解(jie)決農(nong)(nong)(nong)村農(nong)(nong)(nong)民融資難(nan)、貸(dai)(dai)款難(nan)問(wen)題(ti)。成(cheng)立(li)了小(xiao)額信(xin)貸(dai)(dai)促進會，創新(xin)擔保(bao)渠道;推出 “益農(nong)(nong)(nong)寶”貸(dai)(dai)款，農(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)可自(zi)行(xing)(xing)(xing)在農(nong)(nong)(nong)信(xin)社(she)(she)提(ti)供(gong)的(de)(de)業務平(ping)臺(手機銀(yin)行(xing)(xing)(xing)、網上銀(yin)行(xing)(xing)(xing)等)上實施操作，完成(cheng)借款還款;健立(li)農(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)信(xin)息檔案，提(ti)高農(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)信(xin)用意識，優化農(nong)(nong)(nong)村信(xin)用環境(jing);在施行(xing)(xing)(xing)“三(san)免一減半”政(zheng)策的(de)(de)基礎上，借助“公司+農(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)”、“合作社(she)(she)+農(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)”、多戶(hu)(hu)(hu)(hu)聯保(bao)、公職人(ren)員擔保(bao)等，向符合條(tiao)件(jian)的(de)(de)農(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)提(ti)供(gong)農(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)小(xiao)額貸(dai)(dai)款服務;開(kai)展“銀(yin)村共建”，改變(bian)以(yi)往(wang)對(dui)農(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)零散放(fang)(fang)貸(dai)(dai)為集(ji)約(yue)經營放(fang)(fang)貸(dai)(dai)，探(tan)索推行(xing)(xing)(xing)“銀(yin)行(xing)(xing)(xing)+合作社(she)(she)+基地+農(nong)(nong)(nong)戶(hu)(hu)(hu)(hu)”信(xin)貸(dai)(dai)新(xin)模式(shi)。據了解(jie)，截至目前，該(gai)縣農(nong)(nong)(nong)信(xin)社(she)(she)、農(nong)(nong)(nong)行(xing)(xing)(xing)、郵(you)政(zheng)銀(yin)行(xing)(xing)(xing)等金融部門(men)共發放(fang)(fang)涉農(nong)(nong)(nong)貸(dai)(dai)款達13.26億元，惠及支農(nong)(nong)(nong)對(dui)象1.74萬(wan)戶(hu)(hu)(hu)(hu)。
蘇(su)州羅(luo)信公司發起人股東在國內外市場上的品牌優勢、渠道優勢、資金優勢和人才優勢，為境內客戶提供專業化的金融貸款服務，其經營范圍包括：，，無抵押貸款，信用貸款，商業(ye)貸款，汽(qi)車抵(di)押貸款，房產抵押貸款，房屋抵(di)押貸款，無抵押信用貸款，小額信用(yong)貸款(kuan)，企業(ye)信用貸款(kuan)，正(zheng)規小額貸(dai)款等等貸款(kuan)服務。