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【新华社】“金果果”背后有个“金保姆”——四川苍溪金融扶贫见闻

2019-11-29 17:12:35    来源:   作者:  点击数:

新华社成都11月26日电题:“金果果”背后有个“金保姆”——四川苍溪金融扶贫见闻

新华社记者 胡旭

时值初冬,冯明武“自强家庭农场”里大片的猕猴桃已采摘一空。果园空了,腰包鼓了,老冯告诉记者:“今年价格不错,果子很早就被客户订走了,加上在网上卖掉的,纯收入能有10多万元。”

冯明武在农场查看猕猴桃。

冯明武所在的四川省广元市苍溪县位于川陕革命老区,是秦巴山区的贫困县,也是我国红心猕猴桃原产地。近年来,猕猴桃已经让苍溪全县2万多贫困户走上了致富路,是名副其实的“金果果”。

但就是这个“金果果”,也曾让冯明武陷入“绝境”。

2011年之前,冯明武在浙江务工,曾帮一个老板打理农场,攒了些钱后自己出来承包工厂车间。万万没想到,刚单干不久,老冯就在一次机械事故中不幸失去左臂,医药费和康复费耗光他所有积蓄。

身残志坚的冯明武没有倒下,他利用打工学到的农场管理经验返乡创业,借钱在苍溪老家五龙镇双树村流转20亩土地,种上猕猴桃,还搞起生猪养殖。但就在即将迎来收成的2014年,一场溃疡病席卷果园,老冯再次损失殆尽。

冯明武妻子在整理采摘的柿子。

但命运的大门没有关闭,在2014年,国家扶贫信用贷款政策加快落地。凭借强烈的致富意愿和良好的信用口碑,苍溪农商银行为冯明武提供了5万元的最高额度信用贷款,帮助他重新出发。

有了这笔资金,冯明武奋起再战,一锄一苗恢复果园,一桶一勺继续养猪。银行信贷人员也邀请农技专家上门指导,想办法让他少走弯路。在各方努力下,第二年,冯明武家出栏一批生猪,经济条件有所改善。

随后,冯明武慢慢周转循环,不断扩大种养规模。如今他家农场流转土地已经达到80亩,近万株猕猴桃、黄金梨等逐年丰产,跑山鸡、生猪等出栏量年年增加。通过农场务工、带动种植等,周边7户村民也在他的帮扶下摘掉了贫困的帽子。

“没有银行的支持,我什么事情也办不成!”冯明武感叹,正是苍溪农商银行在最困难的时候伸出援手,才帮他渡过难关,后来又多次通过“两权”抵押等方式向他放款,累计贷款额达到45万元,成为自己产业脱贫的“金保姆”。

“我们农商银行就是要扎根农村、亲近农民、搞懂农业,充分发挥金融对扶贫的杠杆作用。”苍溪农商银行行长陈德勇说,截至2019年9月末,该行累计发放扶贫小额贷款8亿元、农地贷款4亿多元,帮助2万多户贫困群众解决了脱贫致富的资金难题。

苍溪县普济镇秀海村的助农取款服务点。

 

在苍溪,金融机构不仅为猕猴桃等特色农业注入了发展“活水”,还为病害天灾提供了风险保障。

“猕猴桃种植资金投入大、回收周期长,天灾和病害是最大的威胁。”人保财险广元分公司总经理吴运全说,随着政策性农险产品的推出和完善,像冯明武这样一遇到风险就“全军覆没”的情况大幅减少。

在苍溪县龙王镇友谊村,张平与合伙人联合流转了800余亩土地开展猕猴桃种植,通过土地流转费、创造就业岗位等,有效带动周边近百户村民脱贫奔康。但在2015年,果园遭遇高温天气,损失惨重。

“之前三四年一直在投入,刚刚进入丰产期,就遇到当头一棒,直接不想干了!”张平回忆当时的心情,是焦急又沮丧。好在他之前已经给猕猴桃上了保险,几天之后,保险公司就主动上门勘察灾情,并且很快给他理赔了30万元。

“这笔钱虽然不能完全弥补损失,但避免了资金链断裂,让我们重拾信心。”张平说,近几年,自己的猕猴桃果园得到的保险理赔额总共达到80万元,大大降低了种植风险。

“每亩保额2000元,保费100元,种植户只需缴纳25元,其余都由政府补贴,性价比很高。”吴运全说,他们还在费率不变的情况下,将猕猴桃树最易感染且不可治的溃疡病纳入赔付范围,以提高保障力度,进一步支持当地做大猕猴桃产业,助推脱贫攻坚。(完)

 

责任编辑:FreeMarker template error: get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvstbe_6. See cause exception. The failing instruction (FTL stack trace): ---------- ==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50] ---------- Java stack trace (for programmers): ---------- freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$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$$6958ba50.content() at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365) at sun.reflect.GeneratedMethodAccessor8515.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.GeneratedMethodAccessor7319.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_$$_jvstbe_6.getRealname(CmsUser_$$_jvstbe_6.java) ... 81 more