Rural loans are difficult to mortgage and innovative.

Jianyang, located in the west of Sichuan Basin, is known as "Tianfu Xiongzhou". It is one of the main producing areas of grain, oil, meat and fruit in Sichuan. The mutton soup here is famous all over the country, and the famous Haidilao hot pot also originated here.

In order to implement the spirit of the third Plenary session of the 18th CPC Central Committee and the No. 1 document of the CPC Central Committee in 2014, and speed up the development of modern agriculture, in early 2014, the Chengdu Branch of the people's Bank of China and the Sichuan Provincial Agriculture Department jointly issued the "Sichuan Rural Land transfer income guarantee loan pilot work Plan", and Jianyang became one of the nine pilot counties (cities). A year later, how is Jianyang's pilot work going? The reporter conducted an interview on the spot.

The circulation of land management rights, scale operation to create economic benefits

In Lianhua Village, Shibanstool Town, Jianyang City, which has just finished the Strawberry picking Festival, the reporter saw that the fresh strawberries in the fields grew out one after another. "when the next batch of strawberries is finished, the field is ready to grow vegetables such as tomatoes, eggplant and chili peppers." Chen Huarong, who is in charge of this 250-mu strawberry field, told reporters, "the concentration of cash crops on the land has produced a scale effect, which is much more profitable than various mu of land in the past."

Chen Huarong was originally an ordinary farmer. In recent years, with the development of land transfer in Sichuan Province, she has also taken the lead in the establishment of farmers' professional cooperatives. At present, her cooperative already has the management right of more than 1000 mu of transferred land. "in the past, there were only one or two mu of land at home, so we could only grow some green vegetables. Later, when the family went out to work, they simply stopped planting. " Villager Liu Shuiqing told the reporter that after realizing the transfer of land management rights, she rented her family's land to professional cooperatives, earning 650 yuan per mu of land per year, "always more than giving it to others."

The procedure of land transfer should be standardized so that the farmers can be down-to-earth and the leaseholders can feel at ease. Wu Liankun, deputy director of the Jianyang Rural Management Administration, told reporters that the Rural Management Administration is responsible for confirming the rights of all cultivated land in Jianyang by means of aerial photography and ground delineation, so that every piece of land can be recorded in the Agricultural Economic Bureau. At present, the city's rural contracted land survey confirmed that the registered area has been 1.6 million mu, the field mapping work has been fully completed, and all the work of confirming the rights will be completed in the first half of this year.

Guarantee loan for income from Rural Land transfer to solve the problem of Agricultural production funds

Agricultural development requires a large amount of capital investment such as road maintenance, seedling and feed purchase in the park. "shareholders are unable to increase capital investment, private borrowing costs are high, and banks do not have effective collateral to borrow money, so capital is a big problem." Fan Zengshu, general manager of Qianfo Rural Land Professional Cooperative in Jianyang City, said frankly. It coincides with the pilot work of rural land transfer income guarantee loan in Jianyang City. after declaration and a series of screening, cooperatives have been successfully included in the first loan object under the jurisdiction of Ziyang. Chen Huarong is also the beneficiary of the income guarantee loan for rural land transfer. last year, she used the land management right of more than 250 mu of strawberry land as collateral to lend 1 million yuan to Ziyang Minsheng Village Bank.

The two loans of Chen Huarong's professional cooperative and Qianfo rural land professional cooperative are guaranteed by Jian Yangxingyue financing guarantee Company, and the main body of the loan takes the contracted 256mu and 964.27 mu of rural land management rights as counter-guarantee. "the two loans were given a certain discount, with a guarantee rate of 2.5 per cent." Yuan Lin, general manager of Jianyang Xingyue financing guarantee Company, told reporters, "now both sides are doing well, monthly interest is paid as usual, and repayment due should not be a problem."

It is understood that the guaranteed loan of land transfer income refers to the voluntary loan application made by farmers or the transferee of the transfer of rural land contractual management rights, the financing guarantee company provides guarantee to financial institutions, and financial institutions issue loans again. The Rural Management Administration shall provide the certificate of ownership of agricultural land and the certificate of mortgage registration of the right to contracted management of agricultural land.

Cheng Youcong, deputy director of the Jianyang City Financial Office, told reporters that at present, Jianyang has successfully granted rural land transfer income guarantee loans totaling 6 million yuan to four professional cooperatives. In 2015, rural land transfer income guarantee loans will continue to be extended to all Jianyang.

Guarantee is not easy, and financial innovation needs to be further developed.

The guarantee loan of rural land transfer income has solved the difficult problem of farmers' operating funds after rural land transfer to a certain extent. However, in the process of continuing to promote, there are still some problems to be solved.

"at present, the guarantee company is responsible for this loan model, so farmers can borrow money smoothly from the bank. But the risk of the guarantee company is actually very big. " Cheng Youcong believes that the anti-collateral obtained by the guarantee company is the land management right of agricultural land. If the farmers default, they pay back the money for the farmers, and then transfer the land management rights, they are likely to lose money. "if the interests of guarantee companies are not protected, it will be difficult to popularize the model."

"at that time, I chose to guarantee not only because of the mortgage of land management rights, but also because of the evaluation of the value of ground attachments." Yuan Lin said that Chen Huarong's strawberry field, for example, evaluated the price of the greenhouse facilities on the ground at that time, which was more than 1 million. If the loan defaulted, the beneficiary of the sale of these facilities was also the guarantee company, so the guarantee was provided.

"but the rights and interests of ground attachments cannot be guaranteed to belong to the guarantee company." Cheng Youcong pointed out that although it is written in the contract that the guarantee company has the right to dispose of ground attachments, if farmers have other creditors, the priority of the guarantee company cannot be guaranteed. "in actual operation, the ground attachment as the expected income can not realize mortgage registration, but also has disaster risk and market risk. Once the borrower fails to repay the loan in full and on time, the recovery rights and interests of the guarantee agency will not be guaranteed."

At present, in order to solve the problem of debt repayment and disposal, Jianyang City has established a rural property rights trading platform, but the business has not been carried out effectively. Cheng Youcong said that in the next step, Jianyang will study the establishment of pilot risk compensation funds for rural land transfer income guarantee loans, and compensate for the risk losses occurred in the pilot business according to a certain proportion, so as to improve the participation enthusiasm of financial institutions such as guarantee companies.