The farm is guaranteed a mortgage loan.

"the cowshed can also be mortgaged!" When Xu Ying, a big dairy farmer, got a 5 million yuan bank loan, she was pleasantly surprised. Xu Ying is the chairman of the Heda Sifang Dairy Farmers' Professional Cooperative in Qiqihar, Heilongjiang Province.

In the past two years, Heilongjiang Province has innovated the financial policy of animal husbandry benefiting farmers, broadened the financing channels of animal husbandry, registered the rights of animal husbandry farms, and began a pilot project in Qiqihar. Recently, after the rights of two new farms in Qiqihar were confirmed, the first 5 million yuan loan was issued by the Qiqihar labor branch of Longjiang Bank. Xu Ying became the first "crab eater" to rely on his own farm loan.

The difficulty of financing aquaculture loans has been restricting the development of animal husbandry. At the beginning of this year, Xu Ying, who was worried about the money for the construction of the pasture, heard that the dairy house could be used as collateral for a bank loan after the livestock department issued a certificate-an unprecedented piece of good news. Xu Ying hurried to Qiqihar Animal Husbandry and Veterinary Bureau and applied to confirm the rights of her newly built more than 2500 square meters of cowshed. To Xu Ying's surprise, from the animal husbandry department to accept applications, review and acceptance, the issuance of "farm area ownership warrants", to the bank loan process is particularly smooth. The loan problem, which I thought was almost unsolvable, was resolved so quickly. Xu Ying, who received the loan, said that the construction of the ranch is now in a critical period, and the cowshed has just been completed, and some facilities and equipment have to be purchased. The 5 million yuan loan can buy a set of the most advanced turntable milking machine in the world.

Farmers are happy and banks are happy. Liang Qibin, vice president of Qiqihar Branch of Longjiang Bank, said: "the difficulty of animal husbandry loans has always perplexed us." According to the operation law of the bank, the lender is required to provide full-value loan mortgage. From the characteristics of animal husbandry, its assets are mainly deposited in live livestock and poultry, and these assets are difficult to be used as collateral. Although the farming area is a kind of fixed assets, because there is no definite ownership and no circulation platform, these "valuable assets" can not become "effective assets" and cannot be used as collateral. Now by the animal husbandry department as the government to determine the rights of the farm area, it gives the legal status of the farm area, but also relieves the banks of their worries. This time, in cooperation with the animal husbandry department, we have achieved a win-win situation among the government, banks and farmers. We are very optimistic about the development potential of animal husbandry and will continue to issue 60 million yuan in breeding loans soon. "

Ni Chunmei, president of the Qiqihar labor branch of Longjiang Bank, said that this time the bank and the animal husbandry department worked together to create a financial product that "the farm area has the right to register mortgage loans," which can be replicated in bulk. According to statistics, the estimated assets of farms in the province are about 69.5 billion yuan, of which fixed assets are about 55 billion yuan. After confirming the power, it is possible to solve the loan problem that restricts the development of animal husbandry.

In order to solve the difficulty of animal husbandry loan, the animal husbandry department has been "dashing from left to right". Wang Desheng, deputy director of the provincial animal husbandry and veterinary bureau, said that the confirmation of the right to register the mortgage loan in the farm area is a financial innovation, that is, it is clear that the animal husbandry and veterinary department has the right to meet the application conditions for registration, the source of ownership is legal, and the boundary is clear and undisputed. if the farm is registered and issued with an accurate area, this property right certificate can be used as a mortgage guarantee certificate to apply for a loan from the bank. This not only clarifies the property rights of breeding farms in the province, protects the property rights and interests of breeding producers, but also invigorates 55 billion of the huge stock assets of animal husbandry in the province. At the same time, it also broadens the channels to increase property income for aquaculture enterprises and producers, and creates convenient conditions for them to participate in shareholding, leasing, circulation and so on.

As a "pioneer", the exploration of Qiqihar is very valuable. Qi Xiaotong, deputy director of Qiqihar Animal Husbandry and Veterinary Bureau, believes that the implementation of the registration mortgage loan in the farm area means that the "bottleneck" of animal husbandry financing has been broken. This will attract more financial institutions to provide effective financial support for animal husbandry, and make animal husbandry gradually change from "inferior" industry to "superior" industry in market economy activities. In the future, the animal husbandry department will take the initiative to help financial institutions manage risks, increase the profit space of financial institutions, "livestock work banks make money", and then urge banks to increase the scale of animal husbandry loans.