Ask the same question. . .

Second, the latest agricultural loan policy

I remember reading a news related to rural loans recently.

20 17 rural financial reform will be promoted in all directions. It is reported that at the policy level, many departments are formulating measures to support the financing of new agricultural business entities and establishing a loan guarantee system for them; At the pilot level, the pilot work of "two rights" mortgage loans, such as the management right of rural contracted land and the property right of farmers' houses, has been widely carried out, and a lot of innovative explorations have been carried out in various places, which will be completed before the end of this year, summing up experience for future law revision; At the enterprise level, a large number of internet finance companies have targeted areas that traditional financial institutions cannot reach, and this year will increase the intensity of wading into rural finance.

According to the Ministry of Agriculture, new commercial entities are still a shortcoming in financial services, because they have difficulties in lending, expensive financing and less insurance. Therefore, many departments are currently formulating relevant measures to support the financing of new business entities. Since 20 15, the Ministry of Agriculture and the Ministry of Finance have arranged more than 20 billion yuan each year to establish a guarantee fund to provide guarantees for the scale operation of new business entities. In order to better improve this service, the Ministry of Agriculture is establishing a direct reporting system for large business entities to make information more transparent and help them obtain financing support for production and operation as soon as possible.

"Two rights" mortgage loan has always been the highlight of rural financial reform, and this reform will continue to deepen this year. Various pilot areas and financial institutions have explored and innovated in the process of practicing "two rights" mortgage loans.

Taking Wucheng County, Dezhou City, Shandong Province as an example, the local exploration and formulation of "project pool" mode: select high-quality entities with good operating conditions and high credibility from the new agricultural management entities in the county, and encourage and guide them to join the "project pool" through preferential policies such as agricultural project priority and financial support. When applying for a loan, the borrower of the rural contracted land management right mortgage loan chooses a business entity from the "project pool" and signs a "commitment letter". Once the risk occurs, the borrower is unable to repay the loan, and the mortgaged farmland management right will be collected and stored by the county rural comprehensive property rights trading center. According to the agreement, the undertaking entity will transfer the operation, and continue to pay the farmers' land rent to realize the second circulation of the management right. At the same time, through the borrower's transfer of income, the loan principal and interest amount can be settled through consultation, thus solving the problem of difficult disposal of collateral.

The person in charge of the "three rural" business of a large bank in the east said that because it is difficult to dispose of the collateral of the "two rights" mortgage loan, several "combinations" have been made in the actual operation process: First, the "two rights" mortgage is combined with real estate mortgage and policy pledge; The second is the combination of "two rights" mortgage and financial guarantee fund. This combination guarantee method can not only provide effective credit enhancement measures for customers, but also promote the development of "two rights" mortgage business more steadily.

In order to increase the availability of "three rural" loans, many banks have also developed some new ways of guarantee and mortgage under the premise of controllable risks. For example, for some large rural farmers, new agricultural business entities and rural e-commerce customers, the guarantee and credit loan models such as warehouse receipt pledge, core enterprise guarantee and high-end family member guarantee are introduced to solve the problem that "three rural" customers lack collateral and cannot find guarantee. If you want to know, you can consult the policy status or national policy interpretation.

Third, the central government grows crops in rural areas? adhere to a policy

Grain supplement

Four, how to do a good job in the marketing and management of long-term loans for agricultural and rural infrastructure?

To answer this question, we must first make clear what is the loan for agricultural and rural infrastructure construction. Agricultural and rural infrastructure loans refer to loans issued by financial institutions for infrastructure construction, land consolidation, resettlement and other projects.

Let's talk about how to market loans for agricultural and rural infrastructure construction. Personally, I think, first, financial institutions should strengthen their ties with party committees and governments at all levels. Understand the local rural infrastructure construction planning, beautiful countryside construction planning, rural land consolidation work arrangement, agricultural science and technology park construction, etc. Find out the situation, understand the capital needs of local governments, and lay a good foundation for the next marketing. The second is to innovate financial products according to the local government's demand for agricultural and rural infrastructure construction. Loans can be provided for urban infrastructure construction, urban and rural public service facilities construction, rural land consolidation and agricultural science and technology parks. The third is to promote marketing. It is necessary to go deep into the competent departments of city and county governments, township governments and key resettlement villages to publicize and recommend financial products.

Let's talk about how to strengthen the management of loans for agricultural and rural infrastructure construction. First, adhere to the basic credit principle and set loan conditions. Including the legality of the loan object, the legality of the project construction and the guarantee of the source of repayment funds. Second, we must operate in compliance. Scientifically determine the loan amount, as well as the term, interest rate and guarantee method. Strict loan operation process, careful investigation and strict examination of borrowers or loan projects. Examination and approval according to the program authority. Third, strengthen post-loan management. For agricultural and rural infrastructure construction loans with government purchase service funds and government financial return funds as repayment sources, closed management of special fund accounts shall be implemented. Account managers of financial institutions should regularly go deep into the project site to check the progress of project construction and the use of loan funds to prevent the loan from being misappropriated and ensure that the credit funds are earmarked. The loan handling bank shall hold regular post-loan management meetings to analyze the project status and construction progress, matching funds and repayment funds in place, prevent risks, and ensure that the loans are repaid one by one according to the established time limit and recovered at maturity. At the same time, ensure the smooth completion of agricultural and rural infrastructure and bring benefits into play.