Establish a national agricultural credit guarantee system to solve the financing difficulties of agricultural development

Today, the Ministry of Agriculture, the Ministry of Finance and the CBRC jointly held a special meeting to deploy financial support for the establishment of an agricultural credit guarantee system, which is a major measure to implement the State Council's decision on "agriculture, rural areas and farmers" in financial services. it is a major policy innovation to deepen the reform of the fiscal and taxation system and improve the domestic support and protection system for agriculture, which is of milestone significance. At present, at a time when various forms of moderate scale operation of agriculture are steadily advancing, a large number of new agricultural operators are emerging, and modern agriculture is speeding up the development of modern agriculture, the establishment of a national agricultural credit guarantee system is a realistic and effective way to break through the "bottleneck" restricting the development of new agricultural operators and to solve the problems of "difficult financing" and "expensive financing" in agriculture. I would like to make three points in connection with the work of the agricultural sector.

First, seize the opportunity, change the concept, and speed up the establishment of a new pattern of fiscal and financial coordination to support agriculture.

Finance and finance are the two major policy pillars to support agricultural development. On the one hand, through financial leverage, financial funds for supporting agriculture can play the guiding and magnifying role of "ploughing thousands of pounds" and "small money to pry up big money", so as to better meet the financial needs of modern agricultural development. On the other hand, through the financial guidance and support, the financial funds for supporting agriculture can better control and make up for the operating risks and costs. More importantly, the "trinity" and coordinated promotion of industrial policy, fiscal policy and financial policy are conducive to the organic combination of the guiding role of the government and the decisive role of the market, as well as increasing the input of public finance to support agriculture. Improving the efficiency and efficiency of the use of financial funds is conducive to cultivating the market consciousness, risk awareness and credit consciousness of the new production and operation subjects. Stimulate the inherent vitality of modern agricultural construction and enhance market competitiveness.

Financial injection to set up a special agricultural credit guarantee institution is a typical mode of financial and financial integration to support agriculture. From the practice at home and abroad, this kind of agricultural credit guarantee mechanism with financial support has built a bridge between commercial finance and agricultural development, and effectively solved the problem of "difficult and expensive loans" for farmers. it has realized the level of agricultural industry, the sustainability of financial development, the high efficiency of financial subsidies, and the ultimate benefits to farmers. In this regard, provinces and cities such as Chongqing, Beijing and Guizhou have carried out active exploration and accumulated a lot of useful experience. We believe that in the next stage, the close integration and coordinated promotion of finance and finance will become the new bright spot of the central government's policy of strengthening agriculture and benefiting farmers and the growth point of investment, and will also become the promotion of agricultural "transformation and structural adjustment." there is a huge potential and space for speeding up the construction of modern agriculture. Therefore, agricultural departments at all levels must seize this rare historical opportunity, attach great importance to it, speed up the change of ideas, broaden their ideas, innovate the investment mechanism, make every effort to promote the organic integration of industry and finance, and build a new pattern of financial support for agriculture.

Second, give full play to the advantages, take the initiative, and earnestly perform the important responsibilities of the agricultural sector.

The agricultural credit guarantee system established by financial support has three important characteristics, namely, policy, independence and concentration. Agricultural departments at all levels must adapt to and grasp these characteristics and requirements of agricultural credit guarantee, wield their advantages, take the initiative, and have the courage to take responsibility, and make good use of important checkpoints in the establishment and operation of guarantee institutions, fully reflect the needs of agricultural development and the demands of the broad masses of farmers, and ensure that agricultural credit guarantees truly serve agriculture. The first is to ensure a good organizational structure. The funds for the construction of agricultural credit guarantee system come from three agricultural subsidy reforms, so it must be used in agriculture. To achieve this "no deviation" requires the establishment of an independent guarantee mechanism focused on agriculture and the establishment of a management team that understands both agriculture and finance. Therefore, in the organizational structure, it is suggested that the current focus is to establish an independent provincial agricultural credit guarantee institution, and to extend the business through offices, branches and so on. The guidance proposes that the establishment of an independent agricultural guarantee company can have a transitional period of two years, but business independence should be achieved even during the transitional period. The second is to keep a good business direction. Agricultural credit guarantee service should sink the center of gravity, take root in rural areas, focus on agriculture, and strive to solve the financing problems of new agricultural operators such as big farmers, family farms, farmers' cooperatives and so on. The business content should focus on planting and aquaculture, and in particular, priority should be given to meeting the needs of the appropriate scale of grain operation, and on this basis, it should be gradually extended to the secondary and tertiary industries directly related to agriculture, so as to promote the integrated development of the primary and secondary industries in rural areas. become a comprehensive agricultural credit guarantee service platform. The third is to do a good job in project screening. The service object of agricultural credit guarantee is different agricultural production, and professional agricultural personnel must be involved in order to more accurately judge the future value and potential risk of the project. Therefore, agricultural departments at all levels should give full play to their professional advantages, actively do a good job in the selection, promotion and follow-up guidance of agricultural guarantee projects, and screen whether guarantee projects are included in the scope of financial support.

Third, cooperate closely and make joint efforts to ensure the steady progress of the construction of the guarantee system as planned.

The leaders of the State Council attached great importance to the establishment of an agricultural credit guarantee system, and Minister Han Changfu of the Ministry of Agriculture also personally supervised and implemented it many times. At present, the Ministry of Finance, the Ministry of Agriculture, and the CBRC have formulated and issued the guidance on Financial support for the Establishment of Agricultural Credit guarantee system, and the next step is to study and establish the National Agricultural Credit guarantee Alliance together. At the same time, the "guidance" also clearly points out that local financial departments, agricultural departments and relevant departments will jointly establish agricultural credit guarantee institutions. The agricultural departments of all provinces should promptly report to the leaders in charge of the provincial government, regard the establishment of an agricultural credit guarantee system as a key task at present, closely cooperate with financial and banking supervision departments, form an implementation plan as soon as possible, and promote implementation. In addition, it is necessary to strengthen coordination with credit cooperatives, banks, and other financial institutions, innovate more guaranteed loan products and services suitable for new agricultural operators, effectively reduce financing costs, and reasonably share wind insurance. let farmers obtain credit services with simpler and faster procedures and lower costs. The "guidance" points out that it will take three years to establish and improve the agricultural credit guarantee system covering the whole country. In this regard, agricultural departments at all levels must have a sense of the overall situation, stand at the height of building modern agriculture and serving farmers, take the initiative to speed up the preparation and establishment of provincial credit guarantee institutions, actively promote the construction of agricultural credit guarantee system, and report the progress of the work in a timely manner.

The establishment of a national agricultural credit guarantee system is a systematic project, and agricultural departments at all levels must conscientiously implement the decision-making arrangements of the CPC Central Committee and the State Council, further enhance their sense of urgency, responsibility, and mission, strengthen their confidence, overcome difficulties, constantly accumulate experience, train their teams, strive to create a new situation of financial and financial support for agriculture, and provide more powerful support and guarantee for agricultural modernization.