新華網寧(ning)夏(xia)頻道7月30日電(劉海燕)7月30日，全(quan)國(guo)農村(cun)金(jin)融創新案(an)例研討會(hui)在鹽池縣召開。研討會(hui)上，寧(ning)夏(xia)惠民小(xiao)(xiao)額貸款有(you)限公(gong)(gong)(gong)司(si)(以下簡(jian)稱(cheng)“惠民公(gong)(gong)(gong)司(si)”)與(yu)中國(guo)東(dong)方資產管理公(gong)(gong)(gong)司(si)旗(qi)下全(quan)資子公(gong)(gong)(gong)司(si)東(dong)方邦信資本(ben)管理有(you)限公(gong)(gong)(gong)司(si)(以下簡(jian)稱(cheng)“東(dong)方資本(ben)公(gong)(gong)(gong)司(si)”)正式(shi)簽訂戰略(lve)協議，合(he)作成(cheng)立寧(ning)夏(xia)東(dong)方惠民小(xiao)(xiao)額貸款有(you)限公(gong)(gong)(gong)司(si)(以下簡(jian)稱(cheng)“東(dong)方惠民公(gong)(gong)(gong)司(si)”)。雙方戰略(lve)合(he)作伙伴關系的達成(cheng)，標志著全(quan)國(guo)首(shou)家公(gong)(gong)(gong)益(yi)性小(xiao)(xiao)額信貸機構(gou)(gou)正式(shi)升級為由(you)公(gong)(gong)(gong)益(yi)性資本(ben)控股的地方金(jin)融機構(gou)(gou)。

　　中國東方(fang)資(zi)產管(guan)理公(gong)(gong)司副總裁陳建雄介紹，改(gai)制(zhi)后成(cheng)立的(de)“東方(fang)惠民(min)公(gong)(gong)司”將(jiang)彌補(bu)惠民(min)公(gong)(gong)司先前在發(fa)(fa)展中存在的(de)短(duan)板，就產品(pin)(pin)研發(fa)(fa)、信貸(dai)計劃、績效考核、資(zi)金(jin)(jin)費(fei)用等(deng)方(fang)面對惠民(min)公(gong)(gong)司提(ti)供支撐(cheng)，發(fa)(fa)揮邦(bang)信小貸(dai)在資(zi)金(jin)(jin)、網(wang)絡、技(ji)術等(deng)方(fang)面的(de)優勢，以產品(pin)(pin)與服務(wu)創新不斷提(ti)升“三農”金(jin)(jin)融(rong)服務(wu)水平。通(tong)過適合農村市(shi)場的(de)抵押(ya)擔保設計、業務(wu)人員本土化(hua)等(deng)制(zhi)度設計，推動(dong)批量化(hua)作業，防控業務(wu)風險，走(zou)出(chu)一條特色(se)鮮明的(de)邦(bang)信農貸(dai)商業新模式。

　　中國東方資產管(guan)理(li)公(gong)司(si)(si)是國內四大(da)資產管(guan)理(li)公(gong)司(si)(si)之(zhi)一(yi)，旗下的(de)(de)東方資本公(gong)司(si)(si)自成(cheng)立(li)以來一(yi)直堅持服(fu)(fu)(fu)務(wu)小(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)業(ye)、服(fu)(fu)(fu)務(wu)“三(san)(san)農(nong)”的(de)(de)定位，探索(suo)出了(le)一(yi)條商業(ye)可持續的(de)(de)發(fa)展模(mo)式(shi)。據東方資本公(gong)司(si)(si)總經理(li)李(li)崴介紹，此(ci)次(ci)之(zhi)所以與惠(hui)(hui)民(min)公(gong)司(si)(si)建立(li)戰(zhan)略合作關(guan)系，源于(yu)雙方支持小(xiao)(xiao)(xiao)(xiao)微(wei)(wei)，扶持社會(hui)弱小(xiao)(xiao)(xiao)(xiao)，定位草根(gen)金融，深耕農(nong)村市場的(de)(de)共同理(li)念。“寧(ning)夏(xia)惠(hui)(hui)民(min)小(xiao)(xiao)(xiao)(xiao)額(e)貸(dai)款(kuan)有限公(gong)司(si)(si)成(cheng)立(li)伊始就堅持‘面向(xiang)三(san)(san)農(nong)、婦(fu)女為主、關(guan)注貧困、微(wei)(wei)貸(dai)惠(hui)(hui)民(min)’的(de)(de)服(fu)(fu)(fu)務(wu)宗(zong)旨，創造(zao)性(xing)的(de)(de)設計了(le)‘信(xin)貸(dai)資金+服(fu)(fu)(fu)務(wu)培訓’和‘低額(e)度、廣覆(fu)蓋、高(gao)還(huan)款(kuan)和高(gao)效益’的(de)(de)小(xiao)(xiao)(xiao)(xiao)額(e)信(xin)貸(dai)模(mo)式(shi)，并在全國小(xiao)(xiao)(xiao)(xiao)額(e)信(xin)貸(dai)行業(ye)內形成(cheng)了(le)獨具(ju)特色的(de)(de)影響力。我們相(xiang)信(xin)與惠(hui)(hui)民(min)公(gong)司(si)(si)這(zhe)樣專注、專業(ye)的(de)(de)小(xiao)(xiao)(xiao)(xiao)額(e)貸(dai)款(kuan)機(ji)構合作一(yi)定會(hui)推進‘三(san)(san)農(nong)’事業(ye)的(de)(de)發(fa)展。”李(li)崴說。

　　惠(hui)(hui)民(min)(min)(min)公(gong)(gong)(gong)司(si)作為公(gong)(gong)(gong)益小額信(xin)貸(dai)機構，與(yu)(yu)東(dong)方資(zi)(zi)本(ben)(ben)公(gong)(gong)(gong)司(si)這樣的(de)(de)(de)戰略投資(zi)(zi)機構合(he)作轉制(zhi)成公(gong)(gong)(gong)司(si)以(yi)(yi)后，如何保證其公(gong)(gong)(gong)益性和服(fu)務(wu)低收入(ru)人群這樣一個使(shi)命(ming)不(bu)變?惠(hui)(hui)民(min)(min)(min)公(gong)(gong)(gong)司(si)董事長(chang)龍治普也給出(chu)了答案：從根本(ben)(ben)上(shang)來(lai)講，惠(hui)(hui)民(min)(min)(min)公(gong)(gong)(gong)司(si)核心(xin)團隊(dui)的(de)(de)(de)理(li)(li)念與(yu)(yu)東(dong)方資(zi)(zi)本(ben)(ben)公(gong)(gong)(gong)司(si)的(de)(de)(de)經(jing)營理(li)(li)念在本(ben)(ben)質上(shang)是(shi)一致(zhi)的(de)(de)(de)，即(ji)面(mian)向三農(nong)，微(wei)貸(dai)惠(hui)(hui)民(min)(min)(min)，堅守(shou)公(gong)(gong)(gong)益。基于這樣一個共(gong)同的(de)(de)(de)企業價值(zhi)理(li)(li)念，與(yu)(yu)東(dong)方資(zi)(zi)本(ben)(ben)公(gong)(gong)(gong)司(si)合(he)作后，將多元化的(de)(de)(de)解決惠(hui)(hui)民(min)(min)(min)公(gong)(gong)(gong)司(si)在先前發展中的(de)(de)(de)資(zi)(zi)本(ben)(ben)、管理(li)(li)等問題。新成立的(de)(de)(de)東(dong)方惠(hui)(hui)民(min)(min)(min)公(gong)(gong)(gong)司(si)將繼續秉承惠(hui)(hui)民(min)(min)(min)公(gong)(gong)(gong)司(si)“厚德親民(min)(min)(min)、兼愛互利”的(de)(de)(de)企業價值(zhi)理(li)(li)念，以(yi)(yi)公(gong)(gong)(gong)益信(xin)貸(dai)為突破口(kou)，將惠(hui)(hui)民(min)(min)(min)信(xin)貸(dai)業務(wu)復制(zhi)推廣(guang)至(zhi)中國14個貧(pin)困片區之(zhi)一的(de)(de)(de)六盤山(shan)貧(pin)困片區，面(mian)向低收入(ru)家庭，特別是(shi)廣(guang)大的(de)(de)(de)農(nong)村婦(fu)女(nv)群體，提供以(yi)(yi)信(xin)貸(dai)為主線的(de)(de)(de)系列化金(jin)融服(fu)務(wu)，探(tan)索“銀(yin)政(zheng)企民(min)(min)(min)”合(he)作新模式(銀(yin)行+政(zheng)府+企業+農(nong)戶(hu))，推動(dong)扶貧(pin)與(yu)(yu)產業升級結合(he)，實現金(jin)融服(fu)務(wu)的(de)(de)(de)充分覆蓋(gai)，打(da)造(zao)寧夏農(nong)村金(jin)融扶貧(pin)試點樣板。

　　聯合國開發計劃署減貧處(chu)處(chu)長谷(gu)清對惠民公(gong)(gong)司(si)和東方資本公(gong)(gong)司(si)此次(ci)的(de)(de)成功(gong)聯姻給予了高度評價：作為(wei)國內首家(jia)公(gong)(gong)益(yi)(yi)(yi)性小(xiao)(xiao)貸(dai)項目轉(zhuan)制成為(wei)法律地位明確的(de)(de)公(gong)(gong)益(yi)(yi)(yi)性小(xiao)(xiao)貸(dai)公(gong)(gong)司(si)，寧夏(xia)惠民小(xiao)(xiao)額(e)貸(dai)款公(gong)(gong)司(si)的(de)(de)成功(gong)轉(zhuan)型經驗具有重大的(de)(de)借鑒意義(yi)。惠民公(gong)(gong)司(si)通過改(gai)制吸引(yin)戰略投資者(zhe)，不僅沒有偏離服務低(di)端客戶的(de)(de)社會目標，還實現(xian)了公(gong)(gong)司(si)業務量、團隊建(jian)設和技術(shu)層面的(de)(de)增益(yi)(yi)(yi)互(hu)動(dong)。