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新疆奶牛养殖的战略化思维

放大字体  缩小字体 发布日期:2015-05-11  来源:中国农业网  浏览次数:810563
内容摘要:  近年来,新疆新源县农信社紧密配合县委牧业强县的战略思维,逐年加大对奶牛产业的支持力度,促使奶牛养殖业成为该县农牧民增
   近年来,新疆新源县农信社紧密配合县委“牧业强县”的战略思维,逐年加大对奶牛产业的支持力度,促使奶牛养殖业成为该县农牧民增收的主导产业。

农民信息网 www.fxnonstop.com   信贷产品好

  “感谢农民信息网新玩家汇娱乐信用社的贷款支持,让我们合作社奶牛养殖户都能挣到钱,没有贷款支持买奶牛,我是富不起来的,今年我又被信用社评为黄金户,我凭信用一次性就贷了50万元,不需要任何抵押,而且三年内循环使用,太方便了!”4月5日,新源县阿热勒托别镇金泉奶牛养殖专业合作社的牧民阿里太说。

  为满足广大牧民扩大养殖奶牛产业规模的资金需求,新源县联社建立了“合作社+养殖户”的贷款模式,组织信贷人员深入全县奶牛合作社进行实地调查,摸清奶牛行业发展的资金需求情况、发展趋势及存在的风险,在确保风险可控的前提下,加大对奶牛养殖合作社的信贷支持力度。

  新源县联社将合作社每位养殖户纳入评级授信范围,积极向合作社养殖户宣传小额信用贷款和联保贷款等信贷政策,逐户建立信用档案。养殖户如有贷款需求,可由合作社给予担保,这种模式既减轻了靠活体抵押造成企业负担过重的问题,又兼顾了养殖户、合作社和农信社三方的利益。联社还根据养殖户贷款需求合理地制定贷款期限,通过现场办公、阳光办贷等方式,支持他们做大做强。在此基础上该社推行最高额抵押贷款、最高额担保贷款和最高额联保贷款,在授信最高额度内,三年循环使用,随到随办,极大地方便了牧民办理贷款。

新玩家汇娱乐  此外,新源县联社还对全辖存量奶牛养殖户进行准确分类,实行精细化“一类一策”的管理办法,通过对不同类养殖户提供差异化服务,加强对牧民的服务。联社将奶牛养殖户分为四类,分别是黄金户、大户、优质户、一般户。被评为不同类型的养殖户后,贷款享受相应的优惠利率。

  黄金客户是依照《新源县联社农户评级授信管理办法》中被评为5星级的客户、存款余额在50万元以上的个人,利率按基准利率上浮30%;大客户是评为4星级的客户、存款余额在30万元以上的个人,利率按基准利率上浮45%;优质客户是评为3星级的客户、评级达到2A级的个人,利率按基准利率上浮75%;一般客户是评为2星级的客户,利率按基准利率上浮90%。同时,联社要求信贷人员对四类奶牛养殖户定期维护,通过走村入户,收集、了解和掌握牧民的信息、需求和意见,及时对其资料进行审核和更新,为其设计服务策略,提供差异化服务。

  在新源县农信社的扶持下,目前全县牛的存栏数已达到25万头,100头以上的养殖大户达450户,奶牛饲养量达到20万头以上。

  贴心服务多

  近年来,新源县农信社按照县委、县政府提出的“扶持大户搞示范、千家万户上总量”的养殖总体思路,制定了一系列加快发展奶牛养殖产业的新举措,除提供信贷优惠政策外还为牧民提供贴心的科技和服务。

  为更好地管理好奶牛养殖,新源县联社主动与收购企业——新源县闻羡乳品厂协商并达成协议,由该厂统一供应饲料、统一兽药防疫、统一收购牛奶的“三统一模式”,形成信用社、企业、合作社和养殖户三位一体稳固的利益共同体,这为牧民的牛奶销售又节省了一大部分开支。同时还协调专家定期到牧民养殖合作社指导牧民科学喂养,做到暖季放牧,冷季舍饲。在农闲时间,该社还聘请专家为牧民集中授课,让他们掌握现代化的奶牛养殖知识,通过科学的饲养方法,加强疾病防治,提高牛奶质量。

  截至3月末,在新源县农信社累计5.5亿贷款支持下,全县已建成奶制品加工企业3个,奶牛养殖场21个,奶站25个、奶厅3座、发展奶牛合作社8个,生鲜乳品零售点60个,近3000户奶牛养殖户走上了致富新玩家汇娱乐道路,该县已逐步形成了集中连片的专业化、规?;?、标准化生产新格局,加快了当地牧民经济的快速发展。

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