When will modern agriculture not be short of money?

Not long ago, the China Banking Regulatory Commission issued the "guidelines on strengthening the Supervision of the Construction of the Financial Service Mechanism for Agriculture, Rural areas and Farmers" of Rural Commercial Banks, requiring rural commercial banks to continuously improve their ability to serve "agriculture, rural areas and farmers" in terms of characteristics, specialization and refinement.

The Central Rural work Conference proposed that no matter how tight the financial resources are, we should ensure that agricultural investment only increases, integrate agricultural funds as a whole, innovate agricultural investment and financing mechanisms, and improve the system of financial support for agriculture.

The insufficient supply of funds has always been the crux of restricting the development of modern agriculture. In fact, many departments have thought of a lot of ways to solve the problem of financial ischemia in the development of modern agriculture, and have made a lot of big moves in the past year: integrating financial funds so that agriculture-related subsidies are no longer "sprinkled with pepper"; twice targeted cuts in reserve requirements, it sends out a signal of strong support for "agriculture, rural areas and farmers" credit, and guides social capital into agriculture, and modern agriculture is even favored by Internet enterprises. It is believed that with the injection of more fresh financial blood, the financial problems troubling the development of modern agriculture will be solved step by step.

Ensure that agricultural investment only increases but does not decrease.

There are many things that need to be done to develop modern agriculture, but the total amount of financial funds for supporting agriculture is limited, and there are still problems of multiple management and scattered use. This requires efforts to strengthen the overall integration of funds and improve the efficiency of use.

Wan Yan Wenli is a family farmer in Wenshang County, Shandong Province, who manages 2000 mu of land. "Technology, manpower, management and other issues are all trivial, but money is the only thing that always worries me. It costs about 2 million yuan to pay for the transfer of land every year. " He calculated that in addition to land transfer costs, there were also several fixed major expenditures, such as infrastructure investment, agricultural pesticides, agricultural machinery and equipment, and labor costs.

However, Yan Wenli obviously felt that the state's financial investment in agriculture, rural areas and farmers was increasing year by year. "every year, we can get four subsidies, such as direct subsidies for growing grain and comprehensive subsidies for agricultural materials. In addition, project funds from agriculture, land, water conservancy and other channels can also help us improve our infrastructure. " Wan Yan Wenli said, "the allocation of funds is becoming more and more timely, and some relatively stable funds for supporting agriculture began to be earmarked according to a certain proportion last year."

However, can the financial funds increased year by year meet the needs of modern agricultural development? "although the total plate of public financial investment is very large, it is still not enough to be divided into various places." An industry insider said frankly. In order to develop modern agriculture, there are too many things to do. After all, the total amount of financial funds is limited. In actual operation, there still exist the problems of multiple management and scattered use of funds for supporting agriculture. This requires efforts to strengthen the overall integration of funds and improve the efficiency of use.

Take irrigation and water conservancy construction as an example. For a long time, there have been investment in comprehensive agricultural development, land renovation and other projects. The total amount of funds is not small, but there are problems of scattered funds and lack of overall planning. To this end, starting from 2012, Anhui Province has promoted the establishment of irrigation and water conservancy planning committees in counties, cities and districts, led by administrative leaders, to support agriculture and water related projects in various departments, unified implementation in accordance with county-level irrigation and water conservancy construction plans, and integrated use of funds.

"although the results are obvious, there are also problems. The requirements of each project are different, and some regulations are really difficult to break through in the process of implementation." The relevant person in charge of the local water conservancy department frankly said that this problem is universal and that it is not easy to solve it, and it is necessary for the relevant departments to explore at a higher level to improve the way of fund allocation and break through the piecemeal mode of fund arrangement.

It is very important that the financial money should be spent on the "blade" and invested in the public domain of agricultural development, so as to solve the problems that cannot be solved by farmers. Experts suggest that it is necessary to ensure that financial resources are concentrated on key links and areas of agricultural modernization, with emphasis on supporting agricultural infrastructure construction, structural adjustment, major grain-producing counties, and increasing farmers' income. the new subsidies should be tilted to grain and other important agricultural products, new business entities, and major producing areas.

Open the way for farmers to find funds

With the acceleration of agricultural modernization and the rapid development of new operators such as large farmers, family farms and cooperatives, their financing needs have changed greatly compared with traditional farmers.

With regard to the 2 million yuan of funds needed for land transfer, Yan Wenli also found a bank, and it was not easy for him to get a "four-family joint security" loan. He never thought that one of the households would "disappear" with the money, causing damage to his credit, and now he could not get a loan. In the end, although what happened to Yan Wenli was special, the problem of farmers' difficult loans was widespread. In the interview, many new operators like Yan Wenli worried about lack of money. Generally speaking, farmers' loans often lack the collateral that banks need, and farmers feel that the threshold of bank loans is a little high. coupled with the cumbersome procedures and long approval cycle, many people choose to give up.

Zhu Xinkai, a professor at Renmin University of China, said that with the acceleration of agricultural modernization and the rapid development of new business entities such as large farmers, family farms and cooperatives, their financing needs have changed greatly compared with traditional farmers. "because of large-scale operation, the funding gap of new operators is constantly enlarged, and the amount of financing is increasing, and the development of modern agriculture is increasingly inseparable from the support of finance." Zhu Xinkai said.

At present, the financial demand for the development of agriculture, rural areas and farmers in China has not been effectively met, and the channel between demand and supply is still not smooth enough, which has become one of the most important factors restricting the development of modern agriculture.

Last year, the General Office of the State Council issued a number of opinions on the development of "agriculture, rural areas and farmers" in financial services. According to the requirements of the "opinion", on the one hand, the problem of insufficient supply of rural financial funds should be solved by enriching the main body of rural financial fund supply, increasing the total amount of supply, and innovating the mode of fund supply. On the other hand, it is necessary to innovate the way of pledge guarantee in rural areas and open up more ways for farmers to find funds.

After the promulgation of the opinions, the CBRC immediately issued the guidance on promoting financing guarantee institutions to serve small and micro enterprises and the development of agriculture, rural areas and farmers, with 10 detailed measures to further implement the requirements put forward in the opinions.

Not long ago, the CBRC issued the "Supervision guidelines on strengthening the Construction of Financial Service Mechanism for Agriculture, Rural areas and Farmers" of Rural Commercial Banks, which requires rural commercial banks to continuously improve their ability and level of specialization, specialization and refinement in serving "agriculture, rural areas and farmers".

Since last year, the state and regulatory authorities have issued a series of policies and specific support measures to strengthen the financial services of agriculture, rural areas and farmers. It is believed that with the continuous landing of these policies, the problem of farmers' loan difficulties will be gradually alleviated.

Skillfully using financial funds to attract running water

In the policy system of agricultural support and protection, finance and finance have significant synergistic effect. Only by amplifying the effect of fiscal policy of supporting agriculture through financial leverage can we meet the capital needs of modern agricultural development.

For Xinye Agricultural Machinery Cooperative in Liumaowan Town, Xinjiang, a major event last year was that five cotton pickers were leased through financial leasing. A cotton picker is worth 3.2 million yuan, and if you rely solely on cooperatives, it is an unaffordable expense. By way of financial leasing, without mortgage, cooperatives only need a down payment of 30% to bring the cotton picker back. Zhu Qingjiang, chairman of the cooperative, said: "not only that, if you pay the remaining 70% after three years, you can get the ownership of agricultural machinery from the leasing company." Although the interest for three years is nearly 500000 yuan, as a pilot project of the Ministry of Agriculture for financial support to agriculture, the Ministry of Agriculture will give full discount subsidy and at the same time enjoy a subsidy of 400000 yuan for the purchase of agricultural machinery, thus saving 900000 yuan at once. "

Last year, the Ministry of Agriculture chose to start a pilot project of financial leasing of agricultural machinery in Xinjiang and Guangxi, giving financial subsidies to the interest portion of agricultural machinery leasing business carried out by financial leasing companies. By innovating the use of financial funds, the cost of purchasing agricultural machinery for farmers has been greatly reduced.

Li Jianhua, chief financial officer of the Ministry of Agriculture, said that in recent years, the central government has launched and implemented a number of direct subsidies and direct investment subsidy programs, providing strong support for the development of agricultural and rural economy. however, some policies also have the problems of diminishing effects and low benefits. At this time, we must innovate the way of financial support for agriculture, use financial funds to pry financial capital, and improve the efficiency of the use of financial funds.

In Li Jianhua's view, in the agricultural support policy system, finance and finance have a significant synergistic effect, and the fiscal policy to support agriculture can amplify the effect through financial leverage, which can meet the financial needs of modern agricultural development; only when finance gets financial support in the field of agriculture can we achieve effective risk control and reasonable cost compensation, and transform it into a realistic financial force to support agricultural development.

In recent years, various localities have explored several modes of financial funds to pry financial support for agriculture. In some places, by supporting or directly setting up guarantee institutions, weaving agricultural credit guarantee networks to guarantee qualified agricultural credit needs, mainly to help farmers solve the problem of "difficult loans." Some places use fiscal and tax policies to make up for the business cost of agricultural credit issued by financial institutions with certain conditions and give certain risk compensation, mainly to solve the problem of "unwilling to lend" and so on.

The agricultural sector will also carry out innovative pilot projects in some areas and some areas to promote financial support for agriculture, and promote the realization of a "two-wheel drive" between financial support for agriculture and financial support for agriculture, so that farmers no longer worry about money.