It is no longer difficult to guarantee and mortgage farmers' loans.

"Cooperatives own more than 500 peasant households, take shares in thousands of mu of land, produce high-quality waxy corn, engage in order agriculture, and the development of industrialization requires a lot of funds. In the past, because there was no collateral, loans could not be made in the bank, so they often had to engage in private loans with high interest rates and high risks. " In Beibei District of Chongqing City, Tang Chaofu, chairman of the Lvboyang crop Co-operative Society in Jindaoxia Town, said that every farming season, a large amount of money is needed to buy seeds and chemical fertilizers, and the annual funding gap is more than one million yuan. "it's really desperate."

This is not the only case. Chongqing Wulong County Gangfeng Agricultural Development Co., Ltd. invested in the establishment of its own cold chain logistics center, and the vegetables produced are supplied directly to the Hong Kong market through the cold chain every day. However, because agricultural houses, land and machinery cannot be mortgaged, it is still difficult for the company to obtain loans.

Due to the lack of collateral and financing guarantee, the difficulty of new agricultural operators' loans has become an important factor restricting agricultural industrialization, market-oriented development and the improvement of agricultural comprehensive production capacity. However, this situation is changing fundamentally in Chongqing. With the continuous promotion of the city's rural financial reform, local farmers have entered a "new era of financing guarantee".

Nongtan Company: the bridgehead of Financial support for Agriculture

"in the past, I saw on TV that I could get a loan to raise cattle. I went to the bank in the county and asked, and they all said I couldn't do without collateral. Now comfortable, with the guarantee of Chongqing Agricultural guarantee Company, I borrowed 300000 yuan last year, expanded the scale of raising cattle, and made a net profit of more than 200,000 yuan. This year I repaid the loan, renewed the loan by 200000 yuan, and added more calves. "

Comment

Ma Jiujie, executive deputy director of the Institute of Rural Economics and Finance (Center) of Renmin University of China: Chongqing Agricultural guarantee Company has given full play to its professional advantages in agriculture. First, it can identify risks more accurately and screen promising industries, projects and operators. The second is to innovate the anti-guarantee measures, setting up the agricultural land management rights, biological assets and production equipment that banks are unable or unwilling to accept and difficult to dispose of as counter-collateral, and the third is to carry out packaged guaranteed loans based on the agricultural industrial chain. take advantage of industrial agglomeration to develop "factory" guarantee services Fourth, cooperate with industry associations, make full use of the advantages of industry associations' better understanding of industries and enterprises, identify and control borrowers' risks, and reduce transaction costs and guarantee risks. Through the agricultural guarantee company, on the one hand, it pried bank loans and increased the credit availability of farmers and new agricultural operators; on the other hand, it trained credit-based customer groups for banks.

Liu Yejiang of Lefeng Livestock and Poultry breeding Professional Cooperative in Canggou Township, Wulong County, told the reporter happily.

It is not only individual farmers like Liu Yejiang who have successfully borrowed money with the help of Chongqing farmers. Beibei Jindao Gorge crop Professional Cooperative, with the support of Chongqing Nongtan, successfully secured financing of 500000 yuan, further expanding the corn planting base in the community. At present, the cooperative has led more than 600 growers. On the other hand, the Zanthoxylum bungeanum Industry Association in Jiangjin District has obtained a total of 110 million yuan in loans from banks through the financing guarantee of Chongqing farmers, which is mainly used for the acquisition, processing and circulation of Zanthoxylum bungeanum, which has effectively promoted the development and growth of the pepper industry.

As the only financial pilot unit of the Ministry of Agriculture, Chongqing Nongtan takes the Chongqing Municipal Committee of Agriculture as the representative of the investor and is responsible for management and policy guidance, while the Municipal Bureau of Finance is responsible for the use of funds and financial supervision. mainly to provide financing guarantee for agriculture-related operators. According to the principle of "government leading, market operation, social participation and serving agriculture", priority should be given to key agricultural industries, agricultural enterprises with distinctive advantages in planting and breeding, farmers' professional cooperative organizations and large farmers.

The intervention of farmers in Chongqing has effectively alleviated the plight of the lack of effective collateral for agriculture-related enterprises and farmers. At present, the agricultural business covers 38 districts and counties, with a coverage of 100%. A total of 6.1 billion yuan of bank funds have been leveraged into the field of agriculture, rural areas and farmers, and the leverage effect of financial funds has reached nearly 20 times. the industry involves agriculture-related areas such as planting, aquaculture, agricultural products circulation and land regulation reserves, and has reached strategic cooperation with a number of banks, districts and counties. " Tang Wenzhi, chairman of Chongqing Nongtan, told reporters that according to the different circumstances of the guarantee object, a series of guaranteed products and modes of operation were provided. For example, in view of the characteristics and development needs of farmers' professional cooperatives, we should innovate and develop "Spring Rain Series" guarantee products; carry out property rights mortgage loans to invigorate rural "sleeping" resources; and innovate anti-guarantee measures. we will actively explore ways to solve the problem of "difficult and expensive financing" in agriculture.

Through the continuous innovation of financing guarantee measures, it has broadened the breadth and depth of financial support for agriculture, effectively promoted the development of modern agriculture and characteristic benefit agriculture, and effectively promoted the sustained growth of farmers' income. According to incomplete statistics, in recent years, the average sales income of agricultural operators with guaranteed loans from farmers in Chongqing has increased by 19%, and their profits have increased by 25%.