At present, with the overall promotion of the rural revitalization strategy and the integrated development of agricultural industry, the country's support for rural areas is increasing. However, the products of financial support for rural development are single, mainly credit, which has not fully adapted to the development of the situation, showing insufficient support for agricultural development, which has restricted agricultural financing. It is necessary to further optimize the rural financing structure, improve the quantity and quality of financial supply, mortgage guarantee measures, and improve the financial financing service system.
First, accelerate the establishment of a long-term mechanism for the integration of agriculture-related funds. Give full play to the role of financial funds, and through the integration of financial funds for supporting agriculture, make financial funds play the maximum role and incite more financial funds and social capital to invest in rural revitalization strategies.
Secondly, build a multi-level bank support system. Encourage development and policy-oriented financial institutions to provide medium and long-term credit support for rural revitalization within their business scope; Increase the support of commercial banks for rural revitalization, clarify the specialized institutions to serve rural revitalization, and give full play to the leading role of the national team, so as to take this opportunity to vigorously develop inclusive finance's business and promote the sustainable development of rural revitalization; Strengthen the role of rural small and medium-sized financial institutions as the main force to support agriculture, and let rural finance return to its original source. Rural financial institutions should provide diversified and diversified financial services for rural revitalization, allocate financial resources to the key areas and weak links of rural economic and social development, further innovate agricultural products, and strengthen face-to-face financial services for farmers, so as to extend inclusive finance to the last mile.
Third, establish and improve a multi-channel fund supply system. Encourage local governments to issue general bonds for rural revitalization strategy, industrial integration development, rural human settlements improvement and other fields; Support qualified agriculture-related enterprises to list and raise funds on the main board, small and medium-sized board, growth enterprise market and new third board, and develop regional equity market; Accelerate the development and listing of agricultural futures varieties. Open the door of capital market to support rural revitalization strategy.
Let's constantly explore new ways and paths to serve rural revitalization, strive to promote all-round agricultural upgrading, all-round rural progress and all-round development of farmers, and contribute financial wisdom and strength to writing a new chapter in all-round rural revitalization in the new era.
Financial services are applied in the fields of agriculture, rural areas and farmers. The traditional practice is mostly in the supply link, that is, encouraging farmers to breed or plant. With the change of market supply and demand, financial services actually need to keep pace with the times. My personal suggestions are as follows:
1, from the perspective of industrial structure, plan complementary projects: the domestic market will be in a state of oversupply at present and for a long time to come. Financial services In this case, we should consider how to improve the deep processing and sales capacity of agricultural products, instead of encouraging the improvement of supply capacity, which is already in excess.
2. Encourage the direct selling mode in producing areas: Going to intermediate links is an advanced marketing mode, and it is also an inevitable trend to establish the competitive advantage of agricultural products. Financial services should give more support to individuals or teams with sales ability in the field of agriculture, rural areas and farmers, and good products also need good sales ability.
3. Practitioners in the fields of agriculture, rural areas and farmers should have the ability to use financial leverage: What is finance? Finance is leverage. Financial services can help capable practitioners of agriculture, countryside and farmers to achieve greater success. Therefore, as friends of agricultural products, we should also consciously strengthen our study and understanding of financial services and use funds to incite bigger markets and cakes.
Industry+platform+finance is the ultimate way to make agriculture bigger and stronger _
Under the strategy of building a new socialist countryside, rural financial services have been significantly improved, but the development level and service quality are not enough to meet the financial needs of rural population. Through questionnaire survey and field interview, this paper investigates the coverage and use of basic financial services in Dongsheng Village, only Erbin. After data analysis, it is found that there are some problems in financial supply and demand in Dongsheng Village. In order to improve the financial service system of Dongsheng Village, this paper puts forward three innovative suggestions on improving the basic financial services of Dongsheng Village: First, improve the financial environment of Dongsheng Village and develop cooperative finance and non-governmental finance. The second is to improve the financial service system of Dongsheng Village and strengthen the work of financial inclusion. Third, actively explore the innovation of financial services in Dongsheng Village.
This year, the state continued to pay attention to the issues concerning agriculture, rural areas and farmers, increased support for agriculture, rural areas and farmers, and issued a number of policies. Revitalizing the countryside is to activate the rural market, improve the rural living environment, increase farmers' income, stimulate farmers' consumption and make the countryside glow with new vitality, but these all need the support of financial forces and finance to serve the countryside.
In order to revitalize the countryside, it is necessary to speed up the process of rural industrialization and modernization. It is bound to solve the loan or financing problem of agricultural enterprises and farmers. Development needs funds. On the one hand, the loan review process of commercial banks is slow, and on the other hand, the credit problem of rural enterprises or farmers is unable to obtain long-term stable and low-cost financial support. Agricultural production is seasonal and short-term. One-season crops may be produced in March and May, but two or three months have passed since the approval of bank loans.
Accelerating financial services to the countryside, first, can accelerate the development of agriculture-related enterprises and help farmers develop production; Second, the funds have been released, and financial institutions should follow up the implementation and use of funds, whether they are earmarked or not; Third, the staff of financial institutions also went deep into enterprises and farmers, listened to their voices, and checked more on capital, technology and products to help them improve their products, docking their sales, and ensuring that the released funds can be returned on time, borrowed and returned, and recycled.
In the vast rural market, financial services can do a lot, which can solve the financing problems of agricultural enterprises and farmers; You can get the policy dividend of expanding new markets and enjoying agricultural development. I hope more financial institutions can go to the countryside to integrate into the countryside and make due contributions to the revitalization of the countryside.
In accordance with the market rules, we should make effective scientific investment, assign responsibilities to households, assign responsibilities to people, and resolutely refrain from government actions.
It's very simple. Finance is a service project. If you don't make money, you can't afford it. Therefore, it is necessary to establish an industry, financial services, professional microfinance services, support and guide the participation in local industries and entrepreneurship.
This question is very good, timely, valuable and meaningful. Rural revitalization, which is in great need of financial services, is a major investment highlight and wealth focus of China's economic development, and it is the top priority of doing a good job in rural revitalization.
Rural revitalization is a national policy, and it is also a characteristic of China. Only by realizing rural revitalization can China truly realize the Chinese dream of great rejuvenation and the happy life of China people. However, rural revitalization is no longer a single agricultural economic development, but a rural economy, and the village itself is an industry. We must regard the village as an industry to develop. Only by realizing the industrialization of rural economy can we truly realize rural revitalization and people's prosperity.
Rural industrialization must be supported by finance. Without big finance, there will be no development of rural industrialization and it will be impossible to realize rural revitalization. The core of rural revitalization lies in rural industrialization and the vigorous development of rural industries and rural economy. The village is an industrial economy, not a traditional village.
Rural revitalization urgently needs financial support and big financial services to boost China's economy into a new era.
There are countless policies of the central government to benefit farmers, which are better than before. But when it comes to Huinong Finance, there are too many differences from place to place. Except for large households, it is easier to raise funds for family farms. What is the credit line for most farmers? What is the result of the pilot project of homestead mortgage for Huinong?
In the final analysis, the support for farmers is not enough. Of course, there are policy reasons. Imagine that if rural land is as valuable as urban land, there will be no urban-rural dual land policy. Funds will actively flow to places with great appreciation potential. This problem will not be a problem.
There is much to be done in the countryside, and there is more development in the vast land. We should promote financial diversification, suit the development of rural agricultural farmers, and let the development of the people have funds.
Now I see a lot of news information in this area on the news every day, and there are similar examples around me. I would also like to talk about some of my humble opinions on this!
Financial services are applied in the fields of agriculture, rural areas and farmers. We have a concrete example here, that is, a local credit cooperative gives some villagers with good credit a loan of 50,000 yuan directly to the credit cooperative as long as they bring their household registration books and five households guarantee! Then repay within the prescribed time limit. If one person fails to repay, the remaining four people will bear the guarantee responsibility and their reputation will be affected!
In view of this matter, I think the starting point is good, and I want to give loans to farmers to help them start their own businesses. However, such innovation is equivalent to transferring the risk prevention and control that originally belonged to the bank to farmers, and directly letting the joint insurance farmers pay the bill for the unpaid farmers' loans by sitting together. I really can't compliment them!
In fact, I think there is still a lot to be done in financial services for agriculture, rural areas and farmers.
For example, in agricultural production, loans should be issued to village committees or villagers' cooperatives that need to buy agricultural machinery, and harvesters, seeders, pulling pesticide sprayer and other agricultural machinery and equipment necessary for production. On the one hand, the purchase of equipment can improve agricultural productivity, on the other hand, equipment can generate income, and the income can be used to repay loans, so that the source of repayment is guaranteed and the risk can be reduced!
In terms of agricultural farming, we can cooperate with the county agriculture committee, animal husbandry bureau and commerce bureau in many ways, provide loans to farmers or cooperatives and village collectives with farming needs, help to buy breeding chickens and pigs, etc. The technicians of the agriculture committee and animal husbandry bureau provide professional training to farmers, help farmers to carry out farming, reduce farming risks, improve the survival rate and meat quality, help expand the sales market, increase farmers' income, increase profits and help repay loans!
In the supply of agricultural products, on the one hand, we can coordinate the establishment of agricultural products deep processing base, carry out high-quality cultivation, deep processing and sales of agricultural products, and increase farmers' income with high added value. On the other hand, we can help strengthen the construction of agricultural products sales channels, increase the docking of agricultural supermarkets, and reduce intermediate links, so that farmers can really gain benefits, so that they can have enough funds and willingness to repay loans and promote a virtuous circle of financial services for agriculture!
This is an important embodiment of the role of finance in helping agriculture!