Promote the sustainable development of small agricultural loans

"Micro-agricultural loan" is a great pioneering work of rural credit cooperatives in serving "agriculture, rural areas and farmers", and is the gold brand of rural credit cooperatives supporting agriculture. Rural credit cooperatives should actively do a good job of micro-credit, make full use of this platform, and earnestly fulfill their social responsibilities.

First, we should substantially increase the amount of small-scale agricultural loans. With the rapid development of rural economy, the original loan amount is far from meeting the "appetite" of farmers 'innovation and entrepreneurship development. On the basis of the original small agricultural loan, we can try to change from "small amount" to "large amount", and the maximum amount can be increased to 30- 500,000 yuan, so that small agricultural loan can keep up with the rapid development of rural areas.

Second, extend the loan term. Rural credit cooperatives should embody the spirit of "taking agriculture as the foundation", determine reasonable time length according to different uses and production cycles, and extend loan term, so as to ensure that supporting agriculture and rich peasants are not wrong.

Third, innovate small-amount agricultural loan varieties and relax their use. In addition to continuing to support farmers to engage in traditional farming, we should actively carry out agricultural industrialization, agricultural product processing, rural housing construction, purchase of large-scale agricultural machinery, household appliances, automobiles, education and other large-amount consumer loan varieties according to the new changes in the rural market, such as the increasingly strong demand in consumption and diversified operation. We can learn from the housing mortgage loan mode, extend the loan term, adopt annual installment repayment, and flexibly solve the reasonable consumption and other capital needs of farmers. Fundamentally solve the problem of single product.

Fourth, strengthen policy support for small agricultural loans. The government may purchase small-sum credit insurance for farmers and establish risk compensation funds to compensate for the losses of small-sum agricultural loans, operating losses and non-performing loans caused by irresistible natural disasters. We can learn from the preferential policies related to poverty alleviation micro-loans to give discount interest. At the same time, the tax department implements the tax-free policy for the small-amount agricultural loans issued by the rural credit cooperatives, reduces the cost of supporting agriculture by the rural credit cooperatives, and stimulates the enthusiasm of the rural credit cooperatives to issue small-amount loans to farmers.

Fifthly, establish and improve the rural financial laws and regulations system and improve the rural financial ecological environment. We will carry out "financial literacy" for farmers, educate farmers to enhance their sense of integrity, widely carry out activities to establish credit towns, credit villages and credit farmers, and improve farmers 'self-discipline ability and law-abiding awareness. Let trustworthy farmers obtain more credit support, obtain more financial services for entrepreneurship development, and form a positive incentive mechanism.