<p style="text-indent: 37px"><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">贷款难、贷款贵，</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">传统模式下的普惠金融仍面临着地域发展不均衡、服务覆盖面不足</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">等问题，这些一直是制约农户搞创业搞生产的难题。</span></span><span style="font-family: 宋体;font-size: 19px"><span style="font-family:宋体">浙江网商银行</span></span><span style="font-family: 宋体;font-size: 19px"><span style="font-family:宋体">（以下简称</span>“网商银行”）作为</span><span style="font-family: 宋体;font-size: 19px"><span style="font-family:宋体">蚂蚁集团发起设立的首批试点民营银行</span></span><span style="font-family: 宋体;font-size: 19px"><span style="font-family:宋体">，一直致力于利用互联网技术，数据和渠道帮助小微企业及涉农用户解决贷款难，贷款贵的问题。</span></span></p><p><img src="/public/uploads/article/2020/09/21/8c9bf3daa7abc75c398816ed.png" title="图片7.png" alt="图片7.png" width="541" height="390" style="width: 541px; height: 390px;"/> <img src="/public/uploads/article/2020/09/21/1e6cb3c1b2bc32a3963c1c80.png" title="图片8.png" alt="图片8.png" width="550" height="389" style="width: 550px; height: 389px;"/></p><p> <span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">铁增现</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">，</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">来自叶县马庄回族乡人，九零后，大学毕业后选择在家乡创业。</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">无意中听说到政府对普惠金融的宣传，说</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">通过支付宝</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">APP可以线上直接申请纯信用贷款</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">，就</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">抱着试一试的态度去尝试，</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">凭借网商银行对他们的授信，顺利</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">地</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">从叶县普惠</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">获得救急贷款</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">，成功解决资金周转问题。</span></p><p style="text-indent: 37px"><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">为</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">把更多金融资源配置到农村经济社会发展的重点领域和薄弱环节，</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">提高农户普惠金融获得性，</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">破解金融供给侧改革</span>“最后一公里”难题</span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">，</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">更好满足乡村振兴多样化金融需求</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">，</span></span><span style=";font-family:宋体;font-size:19px">2019年，</span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">叶县</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">作为</span>“普惠金融</span><span style=";font-family:宋体;font-size:19px">+智慧县城</span><span style=";font-family:宋体;font-size:19px">”试点县，与</span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">网商银行</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">正式开展</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">县域</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">数字</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">普惠金融</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">合作</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">。</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">县域</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">数字</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">普惠金融通过提供方便、快捷的信用贷款，助力广大农民群体发展生产，助力乡村振兴</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">。</span>“只要是</span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">叶县</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">户籍的</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">老百姓</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">，</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">通过支付宝</span>APP的智慧县域板块就可以申请使用小额信用贷款，</span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">无需抵押无需担保，</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">无需提供证明，全自动化授信，全程无人工参与</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">。</span>”</span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">蚂蚁集团网商银行相关工作人员</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">介绍道。</span></span></p><p><strong><span style="font-family: 宋体;font-size: 19px"> </span></strong><strong><span style="font-family: 宋体;font-size: 19px"> “310”极速模式 额度最高100万元</span></strong></p><p><span style=";font-family:宋体;font-size:19px"> </span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">“3分钟申请，1秒钟放款，0人工干预</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">。这就是‘</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">310</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">’极速模式。</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">”网商银行农村金融部业务总监</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">杨楠向记者介绍说，</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">县域普惠金融可实现授信额度1</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">千元</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">至30万元，</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">在农业农村局备案的</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">合作社、家庭农场和</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">种养殖大户最高</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">授信</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">100万元，</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">按日计息，随借随还，提前还款</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">不收</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">手续费</span><span style="text-indent: 37px; font-family: 宋体; font-size: 19px;">。</span></p><p style="text-indent: 37px"><strong><span style="font-family: 宋体;font-size: 19px">激发县域经济活力</span></strong><strong><span style="font-family: 宋体;font-size: 19px"> </span></strong><strong><span style="font-family: 宋体;font-size: 19px">网商银行</span></strong><strong><span style="font-family: 宋体;font-size: 19px">“多点开花”</span></strong><br/></p><p style=";text-indent: 37px"><span style="font-family: 宋体; font-size: 19px;">自201</span><span style="font-family: 宋体; font-size: 19px;">8</span><span style="font-family: 宋体; font-size: 19px;">年1</span><span style="font-family: 宋体; font-size: 19px;">2</span><span style="font-family: 宋体; font-size: 19px;">月</span><span style="font-family: 宋体; font-size: 19px;">叶</span><span style="font-family: 宋体; font-size: 19px;">县与</span><span style="font-family: 宋体; font-size: 19px;">网商银行</span><span style="font-family: 宋体; font-size: 19px;">达成“普惠金融+智慧县域”项目合作以来，截至2020年</span><span style="font-family: 宋体; font-size: 19px;">8</span><span style="font-family: 宋体; font-size: 19px;">月31日，网商银行共计已向</span><span style="font-family: 宋体; font-size: 19px;">叶县</span><span style="font-family: 宋体; font-size: 19px;">授信</span><span style="font-family: 宋体; font-size: 19px;">28</span><span style="font-family: 宋体; font-size: 19px;">余</span><span style="font-family: 宋体; font-size: 19px;">亿元 ，</span><span style="font-family: 宋体; font-size: 19px;">累计放款达</span><span style="font-family: 宋体; font-size: 19px;">18</span><span style="font-family: 宋体; font-size: 19px;">余</span><span style="font-family: 宋体; font-size: 19px;">亿元。</span><br/></p><p style="text-indent: 37px"><span style=";font-family:宋体;font-size:19px">“</span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">网商银行</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">将互联网</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">普惠</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">金融产品直接下沉到农户，解决农户创业就业、脱贫致富少资金的难题，推动我县农户发展种植、养殖业，发展产业，经营工商业，增强脱贫致富的内生动力。</span>”</span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">叶县普惠金融负责人陈总提到。</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">据悉，</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">截至</span>2020年</span><span style=";font-family:宋体;font-size:19px">8</span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">月底，</span></span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">网商银行</span></span><span style=";font-family:宋体;font-size:19px">“普惠金融+智慧县域”项目已经落地</span><span style=";font-family:仿宋;font-size:19px">26</span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">个省</span>/市/自治区，与</span><span style=";font-family:仿宋;font-size:19px">671</span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">个县域及</span>3</span><span style=";font-family:宋体;font-size:19px">8</span><span style=";font-family:宋体;font-size:19px"><span style="font-family:宋体">个整市签约。</span></span></p><p><span style=";font-family:宋体;font-size:19px"> </span></p><p><br/></p>
