The risk disposal of agricultural land "pairing and financing" is at the forefront.

As one of the pilot counties of rural land contracted management right mortgage loan in China, Taierzhuang District of Zaozhuang City, Shandong Province, takes the management right of farmers' contracted land as mortgage and farmers' credit as support, and gives full play to the rural situation advantages among villagers and the management advantages of village-level organizations. Innovation launched the "pair financing" credit products, which not only activated the sleeping assets of farmers, but also solved the disposal problem of farmland mortgage loan. Please take a look at our reporter's survey.

"the village gave my family a total of 8 mu of contracted land. In the past, we only knew that we could reap what we sowed and reap what we sowed, but I did not expect that we would be able to use it to mortgage a sideline." On September 22, in Qianyuli Village, Malan Tun Town, Taierzhuang District, Zaozhuang City, Shandong Province, farmer Zhang Chengyu told reporters. It turned out that on July 6, he used the management right of his family's 8 mu contracted land to pair up voluntarily with Zhang Tianjun, a letter user in the village, and applied for a "pair financing" farmland mortgage loan of 60,000 yuan at the district agricultural bank, and opened a "Nongjiale" restaurant at the head of the village, and the business was very prosperous.

There are two basic conditions for Zhang Chengyu to obtain a loan: one is to take the management right of his contracted land as collateral, and the other is to sign a land transfer agreement with the villagers who have passed the credit evaluation of the agricultural commercial bank, and the villagers provide guarantee for them; once Zhang Chengyu fails to pay the money, he guarantees that the villagers will repay the money and obtain the management right of the contracted land for the corresponding period.

This is the agricultural commercial bank of Taierzhuang District innovative launch of the "pair financing" farmland mortgage products, before the implementation of the loan to determine the way of risk disposal. In March this year, under the prying of the risk compensation fund set up by the district government, the sub-branch of Taierzhuang District of the people's Bank of China guided the rural commercial banks in the district, taking the management rights of farmers' contracted land as collateral and farmers' credit as support. giving full play to the advantages of rural conditions among villagers and the management advantages of village-level organizations, the credit product was innovatively launched, which not only activated the sleeping assets of farmers, but also solved the problem of the disposal of farmland mortgage loans. By the end of August, the area had issued 3.67 million yuan of "twinning and financing" mortgage loans to 69 farmers.

Let farmers' credit provide effective support for farmland mortgage

At present, the difficulty of promoting farmland mortgage loan lies in the difficulty of mortgage disposal. Li Jingxin, deputy director of the Agriculture Bureau of Taierzhuang District, said that the construction of the rural property rights transfer market has just begun, and the rural property rights disposal system has not yet been established. Under these conditions, the loan with the contracted land management right as collateral, once there is a problem, it is difficult to dispose of the collateral quickly, which is also the main reason why banks are unwilling to carry out this kind of loan.

"A good social credit environment is the soil for financial innovation, especially in the society of acquaintances in rural areas. An honest and trustworthy peasant household is familiar with and recognized by the villagers in the countryside, which plays a strong leading role." Ren Xianwen, governor of the people's Bank of Taierzhuang District, said, "the innovative development of farmland mortgage loans, if effectively combined with the construction of farmers' credit system, will achieve twice the result with half the effort."

In order to steadily promote the pilot work, Taierzhuang first tamped the credit foundation, deeply carried out the construction of the credit Taierzhuang, and perfected the "one bank, one system".

"Yiku" is a "peasant household information database" based on the "Credit Taierzhuang pilot work Plan" issued by the people's Bank of Taierzhuang District, which takes farmers'"two rights" as the main parameter. The database has established electronic credit files for 41400 farmers in the region, accounting for 92.7% of the total number of farmers in the region. it covers about 2 million pieces of information about farmers' family members, land, houses, planting, breeding, operating income, production expenditure, credit demand, credit history and so on, which can provide comprehensive data reference for the pilot project of "agricultural land" mortgage loans.

"one system" is based on the "credit household", "credit village" and "credit town" evaluation project implementation plan of "Taierzhuang District" formulated by the Agricultural Commercial Bank of Taierzhuang District, and the establishment of "three-letter evaluation system" such as credit users, credit villages and credit towns. By the end of July this year, 2 credit towns, 16 credit villages and 2200 credit users had been assessed in the region. At the same time, according to the developed "Farmer Credit automatic scoring system", the peasant household credit rating is carried out, and there are 78 AAA credit farmers, 315 AA credit farmers and 1607 A credit farmers, which provides a strong credit support for the development of "farmland" mortgage loan business.

2. "Credit guarantee + Land pre-transfer" clearly defines the risk disposal method.

According to Ren Xianwen, in order to give the mortgage financing function of the rural contracted land management right, innovate and launch the "pairing financing" farmland mortgage loan model, on the basis of full investigation and demonstration, the people's Bank of China Taierzhuang District Branch United District Agriculture Bureau, Forestry Bureau, and Agricultural and Commercial Bank of China scientifically designed the handling process of the "pairing financing" model: the villagers used the management right of their contracted land as collateral to apply for a loan to the Agricultural Commercial Bank. The mortgage evaluation, represented by the bank, the village committee and the villagers of the village, is determined through negotiation according to the market price of the local wheat yield per mu and the contract period, which avoids the unobjectivity of the third party evaluation and reduces the mortgage evaluation cost. After the evaluation, under the coordination and supervision of the village committee, the borrowed villagers and another villager with a credit grade shall voluntarily sign a land transfer agreement in pairs and submit it to the town and rural property rights exchange for registration. It is agreed that if the borrowed villagers are unable to repay the principal and interest of the loan on time for various reasons, the paired villagers shall repay it on their behalf. After the repayment of the paired villagers, the borrowed villagers shall transfer the management right of the contracted land to the paired villagers in accordance with the agreement until it is sufficient to cover the principal and interest of the loan or the borrower will pay the principal and interest of the loan to the paired villagers.

"the most important feature of this model is that it defines the way of risk disposal through the way of 'pre-circulation and then loan'. Moreover, it has changed the way in which farmers' loans were guaranteed by civil servants or multi-household joint insurance in the past, which is more simple and easy, and can better lead farmers to consciously establish a sense of integrity. " Ren Xianwen said.

As an executive bank, Wang Baojun, president of the Agricultural and Commercial Bank of Taierzhuang District, said that the bank chose Qianshili Village, Malantun Town, which has a good credit base, and took the lead in carrying out the pilot project. In the pilot process, we should give full play to the rural situation advantages among villagers and the grass-roots management advantages of village-level organizations, and realize the independent "pre-circulation" of rural contracted land among villagers through the form of "farmers' pairing and agreement transfer". And gradually realize the scientific design of the loan process, laying the foundation for popularization.

3 risk compensation fund provides "reinsurance" for mortgage loans