近两年来，保康金融喜事多，好事连连，金融机构的发展与县人行努力工作密不可分。集中表现在：一是金融改革稳步推进。农行改革顺利推进，在股份制商业银行基础上成立“三农事业部”，金融服务由城镇逐步向农村、农业、农民涉足，支持“三农”的力度逐步加大；农村信用社顺利改制为农村商业银行，资产得到优化和重组，经营能力和支农得到提高；二是营造金融服务环境，壮大金融机构“块头”。去年，建行、工行“回归”保康设立营业网点，扩大了金融支持县域经济发展的硬实力，县域经济融资渠道进一步拓宽。在金融创新上，县人行率先在辖内按照“谁批准谁年检”的集中年检模式对辖内的单位银行结算账户进行了年检，人行襄阳市中支将人民币银行结算账户年检工作现场会放在保康召开，此项工作得到了武汉分行副行长贺敏的认可并在全辖推广保康的经验；三是全力推动农村金融全覆盖工作。县人行制定“十二五”农村金融全覆盖工作意见，县政府以文件的形式印发各乡镇和相关部门落实，其工作做法和经验以《让金融服务润泽大山深处》的总结材料，报上级行；四是开展信贷产品创新。为解决县磷化工企业贷款难的问题，充分发挥县磷矿资源丰富优势，推出“采矿权证抵押贷款”信贷产品，县政府转发了县人行“磷矿采矿权抵押贷款指导意见”，目前，县农行、农发行、农村信用社，利用该产品优势发放贷款累计达到8亿元；通过不断地创新金融信贷产品，彰显了金融产品创新呈现“一县一品，百花齐放”格局，在省市金融界影响深远。

In the past two years,More than BaoKang financial occasion,Good health,The development of the financial institutions and county pedestrian hard work are inseparable.Focuses on:One is the financial reform steadily.Agriculture bank reform is progressing smoothly,In the joint stock commercial bank was established based on"Department of agriculture, countryside and farmers",Financial services to the rural areas step by step by the town/agricultural/Farmers in,support"Agriculture, countryside and farmers"The strength of the step by step;Rural credit cooperatives reform smoothly for the rural commercial bank,Assets get optimization and reorganization,Management ability and improve support;The second is to build the financial service environment,Growing financial institutions"bigger".Last year,CCB/icbc"regression"BaoKang set up business outlets,Expand the financial support of the development of the county economy hard power,County economy further broaden the financing channels.In the financial innovation,County pedestrian took the lead in the then according to"Who who approved yearly check"The concentration of yearly check mode on then the unit bank settlement account for the yearly check,Pedestrian xiangyang city branch of RMB bank settlement account on a yearly check work will BaoKang,This work has been wuhan branch deputy President HeMin recognition and in the promotion and BaoKang experience;The third is to promote the rural financial full cover work.County pedestrian make"1025"The rural financial full cover work opinion,The county government in the form of documents issued by the relevant departments of the towns and implement,The work practices and experience to[Let financial services moist deep mountains]Summary material,Submitted to higher line;The fourth is to carry out credit product innovation.In order to solve county phosphorus chemical industry enterprise loan difficult problem,Give full play to the advantage of rich resources county phosphate rock,out"Mining right card mortgage loans"Credit products,The county government forwarding the county pedestrian"Phosphate rock mining right mortgage guidance",At present,County agriculture bank/NongFaHang/Rural credit cooperatives,Using this product advantage issue loans came to 800 million yuan;Through the continuous innovation of financial credit products,To reveal the present financial product innovation"A county a,Hundred flowers"pattern,In the provinces and cities financial influence.

　　在支持县域经济发展的同时，金融机构也实现了快速发展，去年金融机构实现赢利6051万元，为地方上缴税达到1800万元，同比增长过千万元，金融为县域经济发展做出巨大贡献。

In support of the county's economic development at the same time,Financial institutions also realized the fast development,Last year financial institutions to realize profit of 60.51 million yuan,For the local tax amounted to 18 million yuan,Year-on-year growth of over ten million yuan,Financial for county economic development made great contribution.