Tibet's financial support for poverty alleviation has achieved initial results

In accordance with the decision-making arrangements of the Party Central Committee, the State Council, and the Party Committee of the Autonomous Region for poverty alleviation, since 2016, the Lhasa Central Branch has earnestly implemented the special preferential financial policies endowed by the Central Government to Tibet, giving full play to the positive incentive effect of financial policies and creatively carrying out financial precision. Poverty alleviation work has promoted the formation of a new model of financial poverty alleviation work with “accurate docking and construction of poverty-stricken households as the core”. Financial assistance has helped achieve poverty-stricken work and achieved initial results.

Take more measures

Creatively

Financial precision poverty alleviation work

Strengthen organizational leadership

Provide strong protection for poverty alleviation

In order to further improve Tibet's financial precision poverty alleviation work mechanism, strengthen the organization of financial precision and poverty alleviation work, the head of the Lhasa China Branch is set up as the team leader, the local banking regulatory bureau, the Securities Regulatory Bureau and the main supervisor of the Insurance Regulatory Bureau and the vice president of Lhasa Zhongzhi Branch Mr. Chang served as deputy leader, and the “Tibet Financial Poverty Alleviation Leading Group”, which is a member of various policy banks, commercial banks, joint-stock banks, village banks, insurance institutions and other financial institutions, was the first to set up the Tibet Financial Precision Poverty Alleviation Office in the whole district. Full-time responsible for the region's financial precision poverty alleviation work, keeping a close eye on the "13th Five-Year Plan" period, especially the goal of getting rid of poverty in 2016, drawing up the "Treaty Autonomous Region of Tibet Autonomous Region", formulating the annual poverty alleviation plan and poverty alleviation schedule, and implementing wall chart combat . At the same time, it is urged to guide the local branch of the city to set up a financial poverty alleviation working group, specifically responsible for the local financial precision poverty alleviation work.

Develop a master plan

Clarifying the "Thirteenth Five-Year Plan" Financial Assistance for Poverty Alleviation

In line with the basic strategy of “precise poverty alleviation and precision poverty alleviation”, the Joint Development and Reform Commission, the Finance Department, the Poverty Alleviation Office and the “Bank of China Insurance” issued the “Opinions on Further Implementing the Poverty Alleviation Financial Policy and Credit Fund Arrangement” in 2016, The overall plan for poverty alleviation in Tibet during the period of the Five-Year Plan, clearly mobilizing poverty alleviation loans, poverty alleviation loans, industrial poverty alleviation loans, expanding collateral scope poverty alleviation loans, social security financial products and other types of loans, and 19 categories of precision poverty alleviation finance Policies and specific measures provide a strong financial support for the fight against poverty and the fight against poverty in order to build an inclusive financial system that covers all levels of the agricultural and pastoral areas and vulnerable groups.

Strengthen policy protection

Improve the financial precision and poverty alleviation policy system

First, to play the role of the leading unit of financial poverty alleviation, and promulgated the "2016 Tibet Financial Assistance for Poverty Alleviation Work Plan" to clear the goals and measures for financial assistance to fight poverty. Second, the government drafted the “Opinions on Effectively Strengthening the Management of Loan Poverty Alleviation Loan Funds” and other policies to improve the ex situ poverty alleviation and industrial poverty alleviation policy system. The third is to clarify the refinancing policy, start the first poverty alleviation refinancing business, and guide the credit funds to the agricultural and pastoral areas. On June 2, the Linzhi City Center Branch of the People's Bank of China successfully distributed the first poverty alleviation loan in Tibet to Linzhi Minsheng Village Bank. The loan amount was 20 million yuan, the term was 1 year, and the interest rate was 1.75%. It was specially used for the development of characteristic industries and poverty in Linzhi City. Population employment and entrepreneurship. The fourth is to implement the pilot measures for the “two powers” ​​mortgage loan, and carry out pilot projects in Qushui County of Lhasa and Milin County of Linzhi City to effectively broaden the scope of mortgage collateral for poor households. The fifth is to instruct the Tibet Branch of the Agricultural Bank of China to issue the "Notice on Improving the Credit Rating for the Four Cards of Gold, Silver and Copper" for Farmers and Herdsmen, and increase the credit limit of the diamond card from the original quota to 300,000 yuan, 200,000 yuan and 150,000 yuan respectively; The credit line of the "Gold, Silver and Copper" cards will be raised by 20,000 to 30,000 yuan. As of the end of November 2016, the total amount of “Four Cards” issued was 460,300, and the number of certificates and usage rates reached 98%. The sixth is to supervise and guide the Agricultural Development Bank of Tibet Branch and the Agricultural Bank of Tibet to formulate the “Measures for the Administration of Loans for Professional Cooperatives of Farmers and Herdsmen” and the “Implementation Opinions on Industrial Poverty Alleviation Loans”.

Exploring the “Dayu” model of precision poverty alleviation

To lay the foundation for the promotion of the whole district

Through the selection of Daxie County of Lhasa City as a pilot county for financial precision poverty alleviation, innovation and precision poverty alleviation household loans to develop independently and drive the two modes of operation, establish a “one household, one policy” accurate poverty alleviation financial service file, and set up a rich leader loan Leading enterprise loans for agricultural industrialization, loans for leading enterprises in poverty alleviation, loans for professional cooperative economic organizations of farmers and herdsmen, etc., and signing poverty alleviation agreements with poverty-stricken households, and successfully resetting poverty-stricken departments and building poverty-stricken populations Closely linked together, it will fundamentally drive poverty-stricken households out of poverty, and actively promote the financial precision poverty alleviation model of Daban County in the whole district.

Enhanced information sharing

Consolidate the financial precision and poverty alleviation information base

Establish and improve the financial precision poverty alleviation information system, and promote the sharing of basic information and financial information such as poverty alleviation households and poverty alleviation leading enterprises. To clarify the relevant institutional arrangements for the construction of financial precision poverty alleviation information systems in the autonomous region, and organize the banking and financial institutions of the local (ports) and jurisdictions to carry out the “financial precision poverty alleviation information system comprehensive training”, and systematically introduce relevant policies and services. Special study to ensure that the National Financial Accurate Poverty Alleviation Information System is on schedule.

In-depth supervision and evaluation

Practically achieve financial precision poverty alleviation work

The “Top Leaders” led the team to conduct an in-depth study of the financial poverty alleviation work in the agricultural and pastoral areas, to find out the problems, to explain the financial poverty alleviation policies for grassroots poverty alleviation frontline staff and grassroots business outlet credit personnel, to come up with ideas and find ways to urge the grassroots to implement financial Accurate poverty alleviation policies. Many times, the staff members have gone to Daxie County and other places to conduct on-the-spot investigations, to gain an in-depth understanding of the basic situation of poverty alleviation in the counties of Lhasa, the characteristics of poverty alleviation and the channels and forms of financial services participation to help the poor, and to study and solve new problems in the process of poverty alleviation. Situation, new problems.

Increase publicity and education

Raising awareness and ability to alleviate poverty

The first is to hold a press conference on the financial support for Tibet's economic and social development in the "three-in-three" financial situation, to introduce the relevant policies and work progress of financial assistance to poverty alleviation during the "13th Five-Year Plan" period, and to expand the influence of financial precision poverty alleviation work. The second is to strengthen communication with local party and government departments, select financial system cadres to serve in municipal and county government agencies, and conduct seminars to specifically explain the policies related to financial assistance for poverty alleviation during the 13th Five-Year Plan period and strengthen local party and government leading cadres. Financial awareness of poverty alleviation staff at all levels. Third, relying on grassroots organizations such as rural comprehensive service stations, and intensifying the promotion of special financial preferential policies for poverty alleviation and development, the 2000 booklet of the “Financial Precision Poverty Alleviation Workbook” and the “Tibet Autonomous Region Financial Precision Poverty Alleviation Policy Brochure” 40 Ten thousand copies were distributed to poor areas. Fourth, 11 batches, 55 resident village teams and 220 village cadres were selected to participate in the village and poverty alleviation work. As of the end of November 2016, a total of 8.3 million yuan (including 2.5 million yuan of special funds for the autonomous region) was introduced and invested in 5 villages, involving 132 projects.

Establish a statistical monitoring system

Ensuring that financial poverty alleviation policies are effective

First, establish and improve a statistical monitoring system for accurate poverty alleviation loans, and guide financial institutions in their jurisdictions to clearly define the statistical caliber of the poverty-stricken households, the industrial enterprises that drive the employment of poor households, and the loans for key poverty alleviation projects, and establish the effects of using monetary policy, credit, etc. The indicator system relies on the information system to dynamically monitor and analyze the progress of financial precision poverty alleviation work, and provide data and information support for financial precision poverty alleviation decision-making. The second is to establish a host banking system, clarify the responsibilities of the National Development Bank and other financial institutions in Tibet, and urge the establishment of a special precision poverty alleviation loan management mechanism, set up a general poverty alleviation loan general ledger and a detailed account, to ensure that the loans issued are clear to the village, to the household. , to people, to businesses, to projects. The third is to study and improve the evaluation framework for the effectiveness of Tibet's financial precision poverty alleviation policy, and regularly evaluate and evaluate the progress and effectiveness of precision financial services for local governments and financial institutions, and incorporate them into the comprehensive evaluation and macro-prudential management framework of the PBOC as a monetary policy tool. New reference factors for financial institutions to join the financial management and service systems of PBOC branches will enhance the guiding effect of precise financial policies for poverty alleviation.

Tibet Finance

Boosting poverty

Achieving phased results

Credit fund investment in poverty-stricken areas

obviously increase

As of the end of November 2016, the balance of local and foreign currency loans in Tibet was 301.361 billion yuan, an increase of 88.912 billion yuan or 41.85% over the beginning of the year. Among them, the balance of agriculture-related loans was 85.941 billion yuan, an increase of 44.637 billion yuan over the beginning of the year, an increase of 1.08 times. The balance of poverty alleviation loans was 39.353 billion yuan, an increase of 10.45 billion yuan or 34.27% over the beginning of the year; the mortgage loans for rural contracted land management rights totaled 1.485 million yuan, and the mortgage loans for farmers' housing property rights (including the right to use homesteads) were 2.63 million yuan; Penlin rights mortgage loan of 8 million yuan.

“Thirteenth Five-Year Plan”

Implement one-time delivery

Supervise and urge the Tibet Branch of the CDB and the Tibet Branch of the Agricultural Development Bank to put in a special loan of 15.118 billion yuan for the promotion of poverty alleviation during the 13th Five-Year Plan period. The relocation of the area will be “removed, rationally resettled, and followed up in an orderly manner”. Among them, the Tibet Branch of the Agricultural Development Bank allocated a total of 5.84 billion yuan of credit funds to the local and municipal governments to promote poverty alleviation and relocation, and reached the autonomous region's poverty alleviation headquarters on “Lhasa, Shannan, Linzhi, and Ali (the city). Loans will be fully paid in one lump sum, and the loans from Changdu, Nagqu and Shigatse (city) loans will be no less than one-third of the total amount of funds allocated for work.

Establishing a stable card

Initial establishment of microfinance varieties

To carry out poverty alleviation work for innovation, effectively solve the problem of poverty-stricken household loans, and give full play to the “hematopoietic” role of financial services in poverty alleviation and development, so that the poor people outside the government’s “five-guarantee households” Enjoy the “free-guaranteed and mortgage-free” loans for the poverty alleviation loan interest rate and the average household income of 50,000 yuan to promote the poor households to get, use, and get rich. As of the end of November 2016, the balance of loans for poverty-stricken households was 2.9 billion yuan.

Industrial poverty alleviation loan

Increased delivery

Study and formulate the "Opinions on Effectively Strengthening the Management of Industrial Poverty Alleviation Loan Funds", further standardize the loan process, increase investment in industrial poverty alleviation loans, actively coordinate financial institutions such as the Agricultural Bank of China Tibet Branch to strive for preferential policies of their respective head offices, and effectively implement the industrial credit of 60 billion yuan. Scale; coordinate the financial department to set up an industrial risk compensation fund of 20 billion yuan, effectively play the role of financial funds to stimulate credit funds, and fully support the development of related industries in agriculture and pastoral areas. As of the end of November 2016, the loan balance of industrial poverty alleviation projects was 32.7 billion yuan, an increase of 18.3 billion yuan or 77.6% from the beginning of the year.

Financial precision poverty alleviation promotion model

Basic formation

The financial precision poverty alleviation pilot counties will realize the “three free loans” for the poverty-stricken households with a minimum of 50,000 yuan per household, a term of three years, no guarantee, no mortgage, and no interest, and truly realize the “poor loan” model and effectively reduce the file. The interest burden of the Lika poor households. As of the end of November 2016, the interest burden of 1.08 million yuan of poverty-stricken households was reduced.

Inclusive finance

Effective development

First, the construction of rural payment service environment has continued to deepen, and the coverage of payment and clearing networks has gradually expanded. As of the end of November 2016, the district has established a total of 5,075 agricultural assistance and withdrawal service points, and the coverage rate of village-level administrative villages has reached 77.36%. 11 “swipe-free barrier-free demonstration streets” have been built, “tourary credit card convenience stores” and “port-swipe convenience stores” There are a total of 198 merchants in the “vehicles”; a total of 17,832 POS machines, 7952 telephone payment terminals, and 1926 ATM terminals are deployed, and special activities such as “Swipe-free Accessibility Demonstration Street” are carried out to promote payment services to enter the village. Second, the construction of rural credit system and SME credit system in poverty-stricken areas has accelerated markedly. On the basis of promoting the construction of the rural credit system pilot zone in Qiongjie County, Shannan City, the second batch of rural credit system construction was started, and the list of counties (districts) was reviewed and determined. As of the end of November 2016, a total of 28 credit counties, 473 credit townships (towns), and 4445 credit villages were covered, covering 69% of townships (towns) and 85% of administrative villages in the district, prompting the benefit of farmers to truly benefit the majority. farmer, Ranger. The third is to promote the procurement of credit information service systems for SMEs and the promotion and application of the credit rating results of the two types of institutions. The two major credit reporting systems of enterprises and individuals have been running stably, which has improved the availability and convenience of financing for poor households.

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