The Ministry of Agriculture and the Agricultural Bank of China cooperate to try out the leasing of agricultural machinery.

In the cotton harvest season in Xinjiang, the case New Holland cotton picker worth 3.2 million yuan does not need to be mortgaged. Agricultural machinery cooperatives only need a down payment of 30% to drive home. This is the first order of agricultural machinery lease witnessed by a reporter in Shawan County, Xinjiang a few days ago. Similar to the mortgage to buy a house, the county's three agricultural machinery cooperatives through financial leasing, this year in one fell swoop "purchase" 17 large cotton pickers.

Not only can you drive home ahead of time, but a farm machine can also enjoy a "discount" of 900000 yuan. The Xinye Agricultural Machinery Cooperative in Liumaowan Town has leased five cotton pickers. Zhu Qingjiang, chairman of the board, told the reporter: "according to the method of monthly interest repayment and annual principal repayment, if the remaining 70% is paid in three years, the ownership of agricultural machinery can be transferred from the leasing company. Although the three-year interest is nearly 500000 yuan, as a pilot project of the Ministry of Agriculture to support agriculture this year, 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. "

"in the past, we could only find a way to raise money to buy one, but now we can set up an operation service team. Moreover, this kind of lease is much more convenient than the mortgage loan procedure. I can get the key in a month, if it can't be done in the previous six months. " The Kangwang Agricultural Machinery Cooperative in Sidaohezi Town leased seven cotton pickers this year, and its chairman, Bai Jiuhui, told the reporter: "Last year, the cooperative bought a cotton picker worth 3.25 million yuan with a mortgage loan of 4000 mu of land. The four-year loan costs more than 500,000 yuan in interest alone."

According to Bai Yuping, director of the Agricultural Machinery Bureau of Shawan County, the daily cotton picking capacity of cotton pickers is equivalent to 1300 flower pickers, calculated on the basis of a yield of 350kg per mu and a manual harvest cost of 2.50 yuan per kilogram. The higher the yield, the more obvious it is to save costs and increase efficiency.

At the same time, the benefits that cotton pickers bring to cooperatives are also considerable. "A cotton picker can pick 9000 mu of cotton in a season, and its annual net income is 1 million yuan. The cooperative has 18 cotton pickers, with an operating area of 150000 mu. Last year, the highest dividends for members reached 2.3 million yuan, and the least reached tens of thousands of yuan. " Zhu Qingjiang said.

It is understood that agricultural machinery leasing business in agricultural developed countries in Europe and the United States has a history of several decades, and it is the preferred way for farmers to purchase and use agricultural machinery equipment. In China, it is mainly purchased by means of mortgage loans, which causes greater financial pressure on farmers. In the pilot agricultural machinery leasing business of cotton picking machines in Xinjiang, the total amount of 17 agricultural machinery reached 54.4 million yuan, and the financing amount reached more than 38 million yuan. By innovating the use of financial funds, the Ministry of Agriculture gives financial subsidies to the interest part of agricultural machinery leasing business carried out by financial leasing companies, which greatly reduces the cost of purchasing machines for farmers.

Chen Peihua, president of the Agricultural Bank of China Financial Leasing Company, which undertakes this leasing business, told reporters: "Agricultural machinery financial leasing has achieved a win-win situation: government departments can promote the development of agricultural mechanization; agricultural machinery suppliers and dealers can promote the sales of agricultural machinery; lessees can reduce financial pressure and lower the threshold of mortgage pledge; grass-roots Agricultural Bank is also conducive to expanding the business development of agriculture, rural areas and farmers. Agricultural Bank of China Leasing will further deepen cooperation with the agricultural sector and carry out pilot work on financial leasing of agricultural machinery on a larger scale. "

At present, farmers have an increasing demand for large and medium-sized, multi-functional and high-performance agricultural machinery, but their purchasing power is weak, which restricts the development of agricultural machinery modernization. Now, the financing problem has been solved through market means and government guidance for innovative financial services, which has opened up a way to promote agricultural mechanization. " Li Weiguo, director of the Agricultural Mechanization Department of the Ministry of Agriculture, said.

Li Jianhua, chief financial officer of the Ministry of Agriculture, said: "Financial leasing has made a useful attempt to solve the problem that it is difficult and expensive for farmers to buy large-scale agricultural machinery. Through leasing to solve the "loan difficulty", through agricultural machinery purchase subsidies to ease the "high loan", financial institutions recognized, farmers welcome, the government solved the problem. In the future, we will continue to explore and expand the scope of pilot leasing of large-scale agricultural machinery and tools, further summarize and explore the financial support model of agricultural machinery with controllable risks and universal promotion value, give full play to the role of financial funds in "ploughing thousands of pounds" and "small money to pry big money", and encourage and guide financial capital to support the development of agricultural mechanization. "