{"errCode":0,"errMsg":"success","timeStamp":"1778378155","data":{"trueId":"5476377146884520659","title":"小、融、稳：浏阳农商银行的经营之道——评《普惠金融的浏阳密码》","author":["沈慕文"],"tags":[],"aTags":["普惠金融"],"detail":"\u003cp\u003e农商银行是我国金融体系的重要组成部分，也是以金融服务助力乡村振兴的主力军，但其在发展中仍存在战略规划不清晰、经营理念不连续、资本金不足、不良贷款率较高等诸多问题和挑战。如何依据自身的资源禀赋制定发展战略与商业模式，抓住乡村振兴这一重大历史发展机遇，在日益激烈的竞争中成功转型成为农商银行首先应当思考的问题。浏阳农商银行的经营之道为这一问题提供了一种答案。\u003c/p\u003e\u003cp\u003e\u003cimg data-type=\"image_card\" src=\"https://img.hubpd.com/hubpd/e749c0cc-d611-11ed-b31b-ee68172317ec.jpeg\" cover=\"e749c0cc-d611-11ed-b31b-ee68172317ec.jpeg\"/\u003e\u003c/p\u003e\u003cp\u003e《普惠金融的浏阳密码》正是从浏阳农商银行“小、融、稳”经营之道这一独特视角，向广大读者揭示了浏阳农商银行发展壮大的成功密码。对于普通读者，这本书语言朴实易懂，案例生动活泼，读者可从中窥见中国金融体系与金融市场的一隅；对于银行从业者，这本书详细介绍浏阳农商银行独特的经营模式和具体做法，读者可以从中汲取很多有益经验。正如吉林榆树农商银行党委书记、董事长李国英所说：“浏阳农商银行的经验是宝贵的，为全国农商银行新形势下寻求高质量发展，从模式到路径都提供了可供借鉴的样板和遵循。浏阳农商银行的做法是可复制的，从坚守定位到转型发展、从企业文化到客户服务、从产品研发到市场推广、从风险防控到效率提升、从团队建设到绩效管理，在贯穿整个经营中，没有高深莫测、高不可攀的高难度动作，所思所为都是浏阳农商银行信手拈来的日常工作。浏阳农商银行的成功，是把初心坚守到了永恒，把平凡打磨到了极致。”海东农商银行党委书记、董事长范增年说：“《普惠金融的浏阳密码》整本书以朴实的话语娓娓道来，没有华丽的辞藻，却直戳人心，让我在回忆过往的同时，也在浏阳农商银行从探索、实践到弯道超车的发展历程中，坚定了今后持续‘做小、做散、做精’的信心和决心。”陕西西乡农商银行党委书记、董事长杨涛说：“作为一名多年奋斗在农信系统的老兵，初读此书，我被该行的多维创新吸引，被历届班子的勤勉笃行感动，被全员的奋进拼搏所折服；再读此书，我发现透过浏阳农商银行的历程，仿佛触碰到了那些共存于优秀农商银行的底层基因，正是这些优秀的基因引领着我们跨过发展周期，一次次穿越生死线。这些基因在不同的农商银行会以不同的方式呈现，在浏阳农商银行就是淬炼的‘小、融、稳’经营之道，就是坚定的普惠金融之路。”\u003c/p\u003e\u003cp\u003e浏阳农商银行的经营之道\u003c/p\u003e\u003cp\u003e“小”才是大道。浏阳农商银行提出“小额存款最稳定、小额贷款最安全、小额客户最扎实、小额业务最亲民”的经营理念。在“做小”的道路上，浏阳农商银行共经历三次关键的转折点：面对丰裕钢铁厂的教训，浏阳农商银行开始进行“做小”的战略思考，实行差异化经营，抢占农村“蓝海”市场；面对农户小额信用贷款业务的停滞“怪圈”，浏阳农商银行转变“做小”的工作思路，将评级授信工作由银行主导转变为以政府主导为核心的“四位一体”模式；面对网贷“全线上、秒授信”的冲击，浏阳农商银行改善“做小”的短板，为农户小额信用贷款插上数字化的翅膀。这三次转折分别回答了为什么要“做小”、如何持续推进“做小”、如何让“做小”焕发活力这三个问题，其本质都是专注小微客户，不断适应小微客户的需求。正是因为重视小微客户，扎根本土，服务“三农”，浏阳农商银行推出了“农房抵押”贷款。如今，浏阳农商银行已经拥有稳定而庞大的客群基础。截至2021年底，浏阳农商银行基础客户数量逐年增加，其中2021年较2000年增长56.8万户。在浏阳范围内，90%的本土家庭与浏阳农商银行建立了业务往来。\u003c/p\u003e\u003cp\u003e“融”才有深度。融洽员工，是开启一场覆盖全员的正风肃纪工作，是“双向互通”“事必回复”，是构建“不让奋斗者吃亏”的绩效考核标准，更是传承朴素家风，激励一代又一代员工；融通客户，是坚守历经发展波折的花炮产业，是保留偏远乡镇的物理网点，是在风险下给予经营困难企业追加贷款，更是在保持老传统的同时，提出新时代的“背包银行”精神；融入环境，是探寻普惠金融与商业可持续发展的平衡点，是打造“诚信浏阳”品牌，是创新推动企业开展“5110”改革，更是建设开放性金融生态圈；融合社会，是怀揣为民情怀、为农户办实事，是身处“小舞台”，却要有“大作为”，是解决一个又一个“5元钱的烦恼”，是持续助力乡村振兴，打造浏阳的第四张金融名片。\u003c/p\u003e\u003cp\u003e“稳”才能致远。稳住方向，是坚守服务“三农”的初心，是葆有“功成不必在我，功成必定有我”的长远利益观、政绩观，是因地制宜、因时制宜作出决策，更是在家风熏陶浸染，抑或在师徒传帮带授中将农信精神传承下去；稳固根基，是敢于开辟新赛道，坚持走一条属于自己的道路，是构建一套完备齐全的制度体系，并形成与之配套的流程系统，是实施“十百千万”人才队伍建设工程，构建“金字塔”形人才梯队体系，是形成对中层管理干部的多维度绩效考核；稳定质量，是在“权、责、利”三者统一的基础上，相信员工，从而更好地相信客户，是打造“双线并进”的风险模型，精准刻画客户画像，是有效破解不良贷款清收之局，摆脱困扰和束缚发展的桎梏。\u003c/p\u003e\u003cp\u003e浙江省农信联社党委巡察组副组长高剑飞写道：“浏阳农商银行‘小、融、稳’经营之道在于接地气、聚人气、有底气，他们的成功体现为差异化、共生化、持续化的三种境界。而这三种境界，相互间呈现为递进和协同的关系。”2021年底，浏阳农商银行存款余额达到409.91亿元，贷款余额达到285.57亿元，利润总额达8.18亿元，无论从规模还是效益上看，都进入了小型商业银行的前列。抛开浏阳市的经济优势条件，“小、融、稳”经营之道正是其取得突出成绩，从众多农村中小金融机构中脱颖而出的核心原因。\u003c/p\u003e\u003cp\u003e农商银行的未来发展之路\u003c/p\u003e\u003cp\u003e站在数字化转型的十字路口，面对大型商业银行金融服务重心的持续下沉，农商银行究竟如何守住其普惠金融的主力军地位？基于互联网金融企业的痛点和农商银行的自身优势，浏阳农商银行交上了“答卷”：围绕“人”这一核心，通过线上和线下“双轨齐下”，推动数字化、个性化、网格化、共生化“四化”转型，构建客户与农商银行的强信用关系，使金融服务紧紧扎根于农村土壤中。当然，新时代不仅带来挑战，更带来前所未有的机遇。农信系统又应当如何通过改革来助推乡村振兴？在不忘服务“三农”初心的同时，湖南农信从战略规划和顶层设计角度，给出了“五个着力”的答案，即做强做优主业、防控化解危机、调优业务结构、加快改革创新，以及加强队伍建设。\u003c/p\u003e\u003cp\u003e正如广东惠州农商银行副行长晏国祥所说：“普惠金融是一条艰辛而漫长的路，这里不是作秀者的舞台，而是实干家的主场；这里不是一蹴而就的脉冲式短期权宜之计，而是一场永远在路上的战略坚守。正如浏阳农商银行，数十年如一日地坚持，才有了今日的光环，而且它还在不断适应新形势、解决新问题，适应新发展、探索新思路。”浏阳农商银行的经营之道不一定适用于每家农商银行，但普惠金融的答案必定是一致的。如何走出一条有自身特色的普惠金融之路是各地农商银行应当思考并探索的问题。 \u003c/p\u003e\u003cp\u003e（作者 沈慕文 中国人民大学商学院）\u003c/p\u003e\u003cp\u003e\u003cbr/\u003e\u003c/p\u003e","createdAt":1680960835,"updatedAt":1680960837,"source":0,"type":0,"vShowStyle":0,"transCodingObjKey":"https://img.hubpd.com/hubpd/64316d45f1037e00011802c2","transCodingObjKeyMp4":"https://img.hubpd.com/hubpd/","mpIcon":"https://img.hubpd.com/hubpd/091bce73-0c94-11ed-9561-328862585393.png","mpName":"中国金融出版社","mpIsVerified":true,"mpId":"8358680908399640795","covers":["https://img.hubpd.com/hubpd/e749c0cc-d611-11ed-b31b-ee68172317ec.jpeg"],"coversType":0,"blurImage":"","publishedAt":1680960837,"classificationName":"财经","tap":3141,"likeCnt":7,"userIsLike":false,"isFeedAd":false,"compositeId":"5476377146884520659|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":[],"coverType":0,"settled":1,"settledEntity":"中国金融出版社有限公司","settledInfo":"中国金融出版社","hideView":0,"hideLike":0},"hisHots":{"hotData":[{"trueId":"2882303761520618343","title":"“兴农撮合”为乡村产业高质量发展提供务实方案","author":null,"tags":null,"source":0,"type":0,"vShowStyle":0,"mpIsVerified":false,"covers":["https://img.hubpd.com/hubpd/b85867df-fd5a-11ef-936a-fe0a77d653f9.png"],"coversType":0,"blurImage":"","publishedAt":1741575412,"tap":0,"likeCnt":0,"userIsLike":false,"isFeedAd":false,"compositeId":"2882303761520618343|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":null,"coverType":0,"settled":0,"settledEntity":"","settledInfo":"","hideView":0,"hideLike":0},{"trueId":"1152921504610787022","title":"大家谈┃城市的核心是人","author":null,"tags":null,"source":0,"type":0,"vShowStyle":0,"mpIsVerified":false,"covers":["https://img.hubpd.com/hubpd/a6559580-79b0-11f0-9ddd-c697f09d0bb3.png"],"coversType":0,"blurImage":"","publishedAt":1755247596,"tap":0,"likeCnt":0,"userIsLike":false,"isFeedAd":false,"compositeId":"1152921504610787022|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":null,"coverType":0,"settled":0,"settledEntity":"","settledInfo":"","hideView":0,"hideLike":0},{"trueId":"5764607523038102161","title":"宠物经济“热”不停新风向与新机遇","author":null,"tags":null,"source":0,"type":0,"vShowStyle":0,"mpIsVerified":false,"covers":["https://img.hubpd.com/hubpd/c08723f3-84a4-11f0-936a-fe0a77d653f9.png","https://img.hubpd.com/hubpd/c0875bec-84a4-11f0-9ddd-c697f09d0bb3.png","https://img.hubpd.com/hubpd/c08bab4b-84a4-11f0-936a-fe0a77d653f9.png"],"coversType":0,"blurImage":"","publishedAt":1756450876,"tap":0,"likeCnt":0,"userIsLike":false,"isFeedAd":false,"compositeId":"5764607523038102161|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":null,"coverType":0,"settled":0,"settledEntity":"","settledInfo":"","hideView":0,"hideLike":0},{"trueId":"864691128459028992","title":"《民营经济促进法》：以法治助力民营经济腾飞","author":null,"tags":null,"source":0,"type":0,"vShowStyle":0,"mpIsVerified":false,"covers":["https://img.hubpd.com/hubpd/75b96c27-79ae-11f0-936a-fe0a77d653f9.png"],"coversType":0,"blurImage":"","publishedAt":1755245389,"tap":0,"likeCnt":0,"userIsLike":false,"isFeedAd":false,"compositeId":"864691128459028992|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":null,"coverType":0,"settled":0,"settledEntity":"","settledInfo":"","hideView":0,"hideLike":0}],"mpName":"中国金融出版社","mpIcon":"https://img.hubpd.com/hubpd/091bce73-0c94-11ed-9561-328862585393.png","mpIntro":"扎根金融沃土突出金融品牌出版精品书刊","mpId":"8358680908399640795","mpIsVerified":true},"similar":[{"trueId":"7782220156101115247","title":"中华人民共和国国民经济和社会发展第十五个五年规划纲要","author":null,"tags":null,"source":0,"reprintedUrl":"http://paper.people.com.cn/rmrb/pc/content/202603/14/content_30145216.html","type":0,"vShowStyle":0,"mpIcon":"https://img.hubpd.com/hubpd/4b733bd8-b9a5-11ed-8d88-763443d37210.png","mpName":"人民日报","mpIsVerified":false,"mpId":"576460752303423721","covers":null,"coversType":0,"blurImage":"","publishedAt":1773417600,"tap":0,"likeCnt":0,"userIsLike":false,"isFeedAd":false,"compositeId":"7782220156101115247|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":null,"coverType":0,"settled":0,"settledEntity":"","settledInfo":"","hideView":0,"hideLike":0},{"trueId":"4035225266129069635","title":"普惠金融精准灌溉县乡","headTitle":"服务向小微主体覆盖、向乡村末梢和欠发达地区延伸——","author":null,"tags":null,"source":0,"reprintedUrl":"http://paper.people.com.cn/rmrb/pc/content/202604/15/content_30151273.html","type":0,"vShowStyle":0,"mpIcon":"https://img.hubpd.com/hubpd/4b733bd8-b9a5-11ed-8d88-763443d37210.png","mpName":"人民日报","mpIsVerified":false,"mpId":"576460752303423721","covers":null,"coversType":0,"blurImage":"","publishedAt":1776182400,"tap":0,"likeCnt":0,"userIsLike":false,"isFeedAd":false,"compositeId":"4035225266129069635|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":null,"coverType":0,"settled":0,"settledEntity":"","settledInfo":"","hideView":0,"hideLike":0},{"trueId":"6917529027645980871","title":"既要弘扬“企业家精神”，也要激发“小老板”动能","author":null,"tags":null,"source":0,"type":0,"vShowStyle":0,"mpIcon":"https://img.hubpd.com/hubpd/e14cbe73-dcb4-11f0-8ab2-be45e0e12866.jpg","mpName":"中国城市报","mpIsVerified":false,"mpId":"5","covers":["https://img.hubpd.com/hubpd/8aa05059-238b-11f1-9d5a-721e9fc8121a.jpg"],"coversType":0,"blurImage":"","publishedAt":1773923968,"tap":0,"likeCnt":0,"userIsLike":false,"isFeedAd":false,"compositeId":"6917529027645980871|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":null,"coverType":0,"settled":0,"settledEntity":"","settledInfo":"","hideView":0,"hideLike":0},{"trueId":"1729382256915280753","title":"守为民初心 走价值之路 招商银行以高质量发展助力金融强国建设","author":null,"tags":null,"source":0,"type":0,"vShowStyle":0,"mpIcon":"https://img.hubpd.com/hubpd/b10f160e-da00-11ee-90f9-8a1bdfa1d78f.png","mpName":"招商银行","mpIsVerified":false,"mpId":"5476377146882763156","covers":null,"coversType":0,"blurImage":"","publishedAt":1773664965,"tap":0,"likeCnt":0,"userIsLike":false,"isFeedAd":false,"compositeId":"1729382256915280753|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":null,"coverType":0,"settled":0,"settledEntity":"","settledInfo":"","hideView":0,"hideLike":0}]}