Agriculture-related loans refer to the following loans counted in the Special Statistical System for Agriculture-related Loans (Yinfa [2007] No.246):
(1) Farmers' loans;
The term "farmers' loans" as mentioned in this article refers to all loans granted by financial enterprises to farmers. The judgment of farmers' loans should be based on whether the loan subject belongs to farmers at the time of loan issuance. Farmers refer to those who have lived in the administrative area of towns (excluding Chengguan Town) for a long time (over 1 year), including those who have lived in the administrative villages under the jurisdiction of Chengguan Town for a long time, those whose household registration is not local but have lived there for more than 1 year, state-owned farm workers and rural individual industrial and commercial households. Collective households of state-owned economic organs, organizations, schools, enterprises and institutions located in the administrative areas of townships (excluding Chengguan Town) and administrative villages under the jurisdiction of Chengguan Town; Local registered households who have gone out with their families to make a living for more than one year are not farmers, whether they keep contracted farmland or not. Taking households as the statistical unit, farmers can engage in both agricultural production and management and non-agricultural production and management.
(two) loans from township enterprises and various organizations.
(3) Agricultural loans from urban enterprises and various organizations. The reporting institution provides loans to enterprises and organizations registered in urban areas engaged in agriculture, forestry, animal husbandry and fishery activities and supporting agricultural and rural development. Including loans from urban enterprises and loans from various urban organizations to support agriculture.
In view of the fact that rural areas, agriculture and farmers belong to different classification standards, the system classifies agricultural loans according to urban and rural areas, uses and borrowers, which reflects the financial support for rural areas, agriculture and farmers from different aspects. In the statistics of rural loans, farmers' loans, township enterprises' loans and various rural organizations' loans are counted separately. In the statistical design of agricultural loans, not only the traditional loans for agriculture, forestry, animal husbandry and fishery are counted, but also the loans for agriculture, forestry, animal husbandry and fishery services are counted. In the statistics of farmers' loans, not only the production and operation loans of farmers are counted, but also the consumption loans of farmers are counted. Geographically, in addition to counting rural loans, considering that cities also have loans for agricultural and rural development, the statistics of urban agriculture-related loans have been increased.
In the classification of agricultural loans, agricultural loans are divided into rural loans and urban agricultural loans according to urban and rural areas; Agricultural loans are divided into loans for agriculture, forestry, animal husbandry and fishery, loans for circulation of agricultural materials and agricultural by-products, loans for rural infrastructure construction, loans for processing agricultural products, loans for manufacturing agricultural means of production, loans for capital construction of farmland, and loans for agricultural science and technology. According to the loan subject, agricultural loans are divided into farmers' loans, rural enterprises and various organizations' loans, urban enterprises and various organizations' loans.
Problems existing in the implementation of special statistical system for agricultural loans
After the promulgation and implementation of the Special Statistical System for Agriculture-related Loans (hereinafter referred to as the system), some institutions reported some problems in the implementation, such as the misunderstanding and implementation of some indicators by reporting institutions, the heavy workload of manual statistics, the difficulty in ensuring the accuracy of data, and the inconsistency between the verification relationship and the system requirements.
First, "the industry to which the loan subject belongs" and "the actual use of the loan" are confused. According to the requirements of the system, indicators such as loans for agriculture, forestry, animal husbandry and fishery and loans for supporting agriculture should be classified and attributed strictly according to the investment and actual use of loans, while some reporting institutions should classify according to the industry to which the loan subject belongs rather than the actual investment of loans.
The second is to confuse "loans for agriculture, forestry, animal husbandry and fishery" with "loans for supporting agriculture". The latter refers to not directly engaged in agricultural production, only providing prenatal, mid-production,
With the support of postpartum and other links, some reporting institutions mistakenly equate the two, some classify agricultural products processing loans, agricultural means of production manufacturing loans, agricultural materials and agricultural and sideline products circulation loans as agricultural loans, and some classify agricultural and forestry animal husbandry and fishery loans as agricultural loans.
The third is to confuse "farmers" and "non-farmers". Some reporting agencies have different definitions of farmers. Some reporting agencies classify households with household registration in rural areas as farmers, and mistakenly count households with household registration in rural areas but long-term residence in non-rural areas and collective households with household registration in rural areas as farmers, thus expanding the statistical scope of farmers' loans. Some reporting agencies distinguish by the industries they are engaged in, that is, they think that only families engaged in agricultural production are farmers, and mistakenly exclude rural individual industrial and commercial households, thus narrowing the statistical scope of farmers' loans; Some reporting agencies did not exclude the households living in the administrative area of Chengguan Town, or included the households living in the administrative villages under the jurisdiction of Chengguan Town in the statistics of farmers.
Fourth, "rural areas" and "cities" are confused. Some reporting institutions exclude corporate loans registered in counties and county-level cities from the statistics of rural areas. Some reporting agencies located in prefecture-level cities and suburbs have unclear definitions of rural and urban areas, or all corporate customers are identified as rural enterprises (and various organizations), or all corporate customers are identified as urban enterprises (and various organizations), which is not implemented according to the system.
Fifth, there is confusion between "loans for township enterprises" and "loans for township enterprises related to agriculture" and "loans for township enterprises". Some reporting agencies only report loans for agriculture, forestry, animal husbandry and fishery of township enterprises and loans for supporting agriculture, while others do not.
Sixth, "agricultural products processing" and "other processing" are confused. The "system" stipulates that agricultural products processing loans only include agricultural and sideline food processing loans, textile processing loans, wood processing loans and Chinese medicine processing loans. Some reporting institutions classify other manufacturing loans that do not belong to the above four categories as agricultural product processing loans.