Make up for the deficiency of "agriculture, rural areas and farmers" financial services

◎ will step up the introduction of private capital, further enrich the financial supply of agriculture, rural areas and farmers, and alleviate the imbalance in rural financial development and the prominent contradiction between supply and demand.

◎ will expand the scale of forest rights mortgage loans, and at the same time, it will prudently and steadily promote the pilot project of rural land contracted management rights and farmers' housing property rights mortgage.

Steadily promote the reform of the Agricultural Bank of China and the Agricultural Development Bank, set up the Postal savings Bank of China, and set up more than 1100 new village banks. As the "source" of rural economic development, financial services for agriculture, rural areas and farmers have been attached great importance in recent years, agriculture-related credit has been strengthened year by year, and a multi-level institutional system has been initially formed.

There are existing market factors and government factors that affect the financial services of agriculture, rural areas and farmers. Combined with the practice in various parts of the country over the past year, a reporter from the Economic Daily interviewed the regulatory authorities and looked forward to the new changes in the financial services of "agriculture, rural areas and farmers" in the new year.

Broaden the access channels of private capital

Enrich the financial supply of agriculture, rural areas and farmers

A few days ago, the China Banking Regulatory Commission launched a policy combination for financial support for "agriculture, rural areas and farmers". A number of guidance documents have been issued one after another, such as the "guidance on further promoting the healthy Development of Rural Banks" and the "Circular on encouraging and guiding Private Capital to participate in the property right Reform of Rural Credit Cooperatives." further broaden the investment channels of private capital in the field of "agriculture, rural areas and farmers" financial services.

It is understood that at present, there are three main channels for private capital to enter rural finance, namely, village banks, micro-loan companies and rural credit cooperatives. The promulgation of a series of policies and measures provides a solid guarantee for the entry of private capital, which will undoubtedly further enrich the financial supply of agriculture, rural areas and farmers, and help to alleviate the imbalance in rural financial development and the prominent contradiction between supply and demand.

According to the person in charge of the Tianjin Banking Regulatory Bureau, the enthusiasm of private capital to intervene in rural finance is relatively high. At present, 13 rural banks in the city have absorbed a total of 1.919 billion yuan of local private capital, accounting for 52% of local equity and 83% of private capital.

For a long time, the main body of China's rural financial market is composed of rural credit cooperatives, postal savings and branches of the Agricultural Bank. The original intention of introducing village banks is to activate market competition. According to the relevant regulations, after paying all the deposit reserves, the village banks should use all the available funds for the local rural economic construction; at the same time, when issuing loans, the village banks should first meet the needs of farmers, agriculture and rural economic development in the county, so that the surplus funds can be invested in other local industries, purchase agriculture-related bonds, etc., and can not issue off-site loans.

Promote the pilot pledge of "three rights"

Activate the rural property right "a pool of spring water"

"the next step will be to expand the scale of forest rights mortgage loans, and at the same time prudently and steadily promote the pilot project of contracted management rights of rural land and housing property rights of farmers." The relevant person in charge of the CBRC told reporters.

In recent years, in order to invigorate farmers' resource assets, financial institutions have made a lot of innovations and attempts in the variety of loans, among which the "three rights" pledge pilot project is the most representative. On July 18, 2013, the opinions on the implementation of Forest right Mortgage loan jointly issued by the CBRC and the State Forestry Administration clearly pointed out that forest farmers and forestry producers and operators can use contracted commercial forests as collateral for bank loans, which indicates that the supporting reform of the realized capital of forestry resources has been officially launched.

From scratch, from small to large, the promotion of the pilot project of forest right mortgage loan is not plain sailing, in which it is also faced with difficult problems such as difficult mortgage evaluation, difficult security realization and so on. During the research, the reporter found that with the help of the two village committees, building a trust-increasing platform between financial institutions and farmers is one of the effective ways.

In Lishui City, Zhejiang Province, the first pilot area of rural financial reform in the country, Longquan Rural Credit Cooperatives and the local village committees set up "village-level guarantee cooperatives". The cooperatives evaluate the value of the villagers' trees, farmhouses, and contracted land. If they want to borrow money, the villagers mortgage the relevant documents to the cooperative, and after the cooperative examination and approval, the villagers directly go to the rural credit cooperatives for loans, and they no longer need to find someone to guarantee them.

Data show that by the end of the third quarter of this year, 33800 forest right mortgage loans in Lishui City had a balance of 4.136 billion yuan, and 15400 new forest right mortgage loans were issued this year, with 9 counties (cities and districts) exceeding 90% of the annual target.