Provide accurate services for new business entities "precise support is in place."

"Financial leverage, pry financing reform, break through the bottleneck of the development of new agricultural operators, this is a good step!" Recently, when the reporter interviewed many agricultural cities and counties in southern and northern Jiangsu, he heard many grass-roots cadres, especially the responsible persons of farmers' professional cooperatives, say so.

The reform of "calling for her to come out shyly"

A few days ago, when the reporter interviewed in Yancheng, the largest agricultural city in Jiangsu Province, agricultural economic cadres in cities, counties, and towns and the heads of several farmers' specialized cooperatives successively provided the reporter with such a group of data on the difficulty of financing agricultural loans and the reverse flow of rural finance.

As one of the 18 prefecture-level cities with a grain output of more than 10 billion jin, Yancheng ranks first in the province in terms of the total scale of efficient agriculture. The demand for funds for agricultural and rural economic development is also particularly strong, but the loans from the main channels of rural finance are pitifully small, and the contradiction of capital bottlenecks in the development of new agricultural operators such as farmers' professional cooperatives is prominent.

For this reason, in 2006, when Yancheng took the lead in testing the waters for the construction of farmers' mutual aid and cooperation organizations, Shuoji Town, Funing County, which was the first to establish farmers' mutual aid cooperatives, credit cooperatives and Agricultural Bank of China, absorbed 110 million yuan in deposits that year, but the loans only had a deposit of 1 million to 18 million yuan.

In the same year, the deposit balance of three commercial banks in Bancang Town, Tinghu District, Yancheng City was 250 million yuan, and the balance of agriculture-related loans for the whole year was only 30 million yuan. Fu'an Town, Dongtai City, where farmers' cooperative economy is outstanding, has four bank outlets, with a total deposit of more than 1.1 billion yuan that year. Loans to rural areas are only about 20 million yuan, which is 55% of the deposits.

In 2013, the No. 1 document of the Central Committee proposed to "innovate financial products and services, give priority to meeting the credit needs of farmers, and increase credit support for new types of production and operation entities." In recent years, the new agricultural operators in Jiangsu have developed rapidly, and many important indicators are among the best in the country, and the capital demand for the development of new agricultural operators is also more exuberant.

In view of the factors such as less effective assets, low agricultural efficiency and loan orientation of the banking industry, Jiangsu has launched financial products such as "favorable agricultural loans", innovated the ways of supporting financial projects, and explored the use of financial funds to pry financial capital. to solve the difficulty of loans for the development of new agricultural operators, the provincial finance department and the provincial agricultural committee jointly carried out the "ice-breaking" reform of farmers' cooperative financing reform.

In 2013, 20 pilot counties (cities and districts) for the financing reform of farmers' cooperatives in the province persisted in trying first, pioneering and innovating, and making changes while trying, and achieved positive results. By the end of June this year, Minsheng Bank and Ping an Bank had provided loans of more than 400 million yuan to 359 cooperatives in the province, effectively promoting the development of cooperatives.

The tilt of "precise support in place"

Danyang Fuxing Livestock and Poultry Professional Cooperative Association was established in 2009, mainly engaged in livestock and poultry breeding, processing, transportation, storage, sales and other production and operation, has formed six series of 15 varieties, the capital demand is relatively large, the cooperative does not have effective assets to go to the bank for mortgage loans.

In May last year, they tasted the sweetness of the cooperative financing reform pilot for the first time, and obtained a 1.5 million yuan financing credit without mortgage in more than 10 days. "this can solve our urgent needs! My broiler fine division production line and directly operated store were launched smoothly. " Xu Furong, chairman of the Associated Press, believes that this reform is suitable for the current financing needs of the Associated Press.

Donghai County, as a pilot project of financing reform of farmers' cooperatives, last year, in accordance with the requirements of the pilot reform, 49 cooperatives in the county established county sub-funds, and 60 cooperatives received 40.95 million yuan in "preferential agricultural loans" for this purpose. The cumulative cooperative loans reached more than 70 million yuan, which is called "timely rain" by the cooperatives.

The cooperatives specializing in peanut cultivation in this county received 2 million yuan in "favorable agricultural loans" last year and built a new production line for threshing, screening and frying, with an annual output of more than 3000 tons of green pollution-free products and sales of more than 46 million yuan. led the cooperative members to expand the planting area of 5110 mu, and the average income of members increased by more than 500 yuan.

In order to more accurately support the development of new agricultural operators, Jiangsu Province has taken the lead in finance, in conjunction with provincial agricultural authorities, and with financial institutions in the province, such as Minsheng Bank, Ping an Bank, Agricultural Bank, Postal savings Bank, etc., five financial products, including Huinong loan, mutual fund, Jinnong loan, rich agricultural loan and agricultural leading enterprise guarantee fund, have been developed to promote the healthy development of all kinds of new agricultural operators.