Smooth flow of rural finance where is the loan card for supporting agriculture?

The sun was so hot that Deng Changhua was in a hurry to get angry. At the base of Changhua Nursery Company in Qushui Village, Zhangshu City, Jiangxi Province, more than 20 seedling sheds are dilapidated. Deng Changhua, the company's manager, is busy mending with workers. "after using it for eight or nine years, these sheds should have been laid off a long time ago, but the replacement ones cost more than 300,000 yuan. It's not easy to get a loan, so we have to make do." She said with a wry smile.

In 1999, Deng Changhua and her husband rented 5 mu of land in the village and set up a small nursery. After years of efforts, the nursery has been expanded to more than 100 mu. "when we wait for the scale, we will realize how difficult it is for farmers to use their money." Deng Changhua recalled that in 2010, the company received a big business and had to advance the funds in advance. she took out all her savings and borrowed it, with a shortfall of more than 400,000 yuan, so she decided to seek a bank loan. "with so many banks, there should be no problem with loans. It is only after a try that we know that it is not easy for farmers to borrow money to say they love you."

Deng Changhua first went to several state-owned commercial banks for consultation, and as soon as others heard about the handling of agriculture-related loans, they refused without saying a word. Subsequently, she found several joint-stock banks and small loan companies, only to be frightened back by the interest: "in the past, the monthly interest rate of a loan in a credit union was 8%, but the monthly interest rate of some commercial banks plus other fees was more than 1%. Private small loan companies are as high as 2 to 3 cents, like us in agriculture, the money earned is not enough to pay interest."

Not reconciled to it, Deng Changhua asked for a relationship everywhere, and finally found a leader who worked in the bank. After saying a lot of good words, the other party agreed to help. But a few days later, someone called and said: the bank stipulates that the loan must be secured, with a loan of 400000 yuan, and at least two sets of commercial housing as collateral. "my family has only one house in the city. Where can I find the other one? I have no choice but to ask my sister to mortgage the house together. "

Not only is the loan threshold high, but the cumbersome loan procedures also upset Deng Changhua. "in order to get the loan, I ran around all day, running around more than 10 departments, filling out the form at this window, stamping the seal at that department, signing here, and pressing the handprint there. It was not easy to get the materials done, and it took more than 20 days for examination and approval, and after a month and a half, people all lost weight. "

Since the establishment of the company, there have been three such experiences, which made Deng Changhua feel physically and mentally exhausted. At the same time, she was also full of expectations: "Don't we encourage farmers to engage in modern agriculture? why is it so difficult to use money?" If banks can think of farmers, with lower interest rates, fewer barriers and simpler procedures, agriculture can become a promising industry, and our days will be more and more busy. "

Smooth the bloodline of rural finance

How expensive is the farmer's loan?

In some places, the comprehensive financing cost is more than 16% per annum, which most enterprises and farmers cannot afford.

At present, the problem of difficult loans and expensive loans is deeply troubling the real economy. The reporter recently found that although the state continues to increase financial support for agriculture, it is still a long-standing problem in rural areas that loans are difficult and expensive.

Xu Qinghua is a pig farmer in Xujiahe Village, Qiliping Town, Hong'an County, Hubei Province. Because there is no working capital to buy feed, can only bear the pain to sell only more than 30 jin of piglets. He said helplessly: "if you can borrow money, part of the money to buy feed fattening, the other part of the introduction of fine pig breeds, these years will certainly be able to make money."

It is also difficult for rural small and micro enterprises to raise funds. Zhu Xiaoyun, who runs a pickle factory in Liuji Town, Zhongmou County, Henan Province, has been trying to expand her scale over the years, but has been unable to borrow money without collateral.

The problem of expensive loans is also prominent. Wang Zhaoping, director of the Henan Provincial Department of Industry and Information Technology, found that the general interest rate for loans to small and micro enterprises should rise by more than 30% according to the benchmark interest rate. due to the lack of collateral such as fixed assets, many have to find guarantee companies with a cost of at least 3%. Many enterprises still borrow 90-day acceptance bills, which generally have to be discounted by 3%, so that the comprehensive financing cost reaches more than 16% per annum.

Bie Bixiong, mayor of Xiangyang City, Hubei Province, said that some banks will also put forward requirements such as buying wealth management products and completing deposit tasks when enterprises apply for loans. When the loan is due, enterprises often have to find high-cost "bridge" funds to repay first. Once the bank does not renew the loan in time, the enterprise will break the capital chain.

"few small and medium-sized enterprises can afford such high financing costs!" Liu Liang, executive deputy head of Ningxiang County, Changsha City, Hunan Province, said that the high cost of financing has overwhelmed small and medium-sized enterprises, and at present, the loss of small and medium-sized enterprises in the county is more than 50%.