2065438+In July, 2003, China Agricultural Bank issued "Measures for the Management of Loans for Large Professional Households (Family Farms) of China Agricultural Bank (Trial)". In view of the large demand for large-scale funds for agricultural production and operation of large professional households and family farms, the Measures stipulate that the maximum loan for a single household can reach 6,543,800 yuan; In terms of loan use, it can be used for farmland infrastructure construction and land transfer fees, in addition to meeting customers' demand for liquidity such as purchasing agricultural means of production; According to the different types of customers' business and the use of funds, a more scientific, flexible and practical loan appointment period and repayment method are set, and the longest loan period can reach 5 years. In addition, the Measures also require high-quality large professional households and family farm customers to make appropriate concessions with reference to the local market interest rate level, and at the same time require banks to adjust their loan plans for farmers to give priority to ensuring the financing needs of large professional households and family farms.

Mortgage guarantee is the core problem to effectively solve the financing difficulties of new agricultural business entities and resolve credit risks. The "Measures" have innovated the characteristics of "agriculture, rural areas and farmers" such as large and medium-sized agricultural machinery and tools mortgage, agricultural and sideline products mortgage, forest right mortgage, new rural property right mortgage, "company+farmers" guarantee and farmers' professional cooperatives guarantee, and allowed credit loans to qualified customers.

The "Measures" have strengthened the risk control of loans to large professional households and family farms in many ways.

The first is the implementation of list management. The "Measures" stipulate that list management shall be implemented for large professional households and family farm customers. At the beginning of each year, the branch obtains the information of large professional households and family farms according to internal and external channels, forms a list of new agricultural business entities after preliminary investigation, and reports it to the superior bank for identification.

The second is to further clarify the key points of risk control in investigation, review and approval. The measures specify in detail the risk nodes that should be paid attention to in the investigation, review and approval of loans from large professional households (family farms), strengthen the management of investigation access, and prevent and control risks from the source. Specifically, it includes: the borrower's historical experience and professional management ability, the ability to cope with market price fluctuations, the legitimacy and stability of contracted farmland, family stability, financial situation, personal conduct, the legality and compliance of new guarantee methods, the stability of value, and the difficulty of realizing disposal. The third is fund management and entrusted payment. The "Measures" stipulate that the demand for credit funds for specific trading objects of large professional households and family farm customers based on contract farming must be paid by entrusted payment. The settlement funds paid by leading enterprises should be agreed with the enterprises that the enterprises should entrust the Agricultural Bank of China to transfer them to the designated accounts of farmers, so that the Agricultural Bank can deduct the loan principal and interest in time.