There is still a lack of medicine to promote "agricultural crowdfunding".

Crowdfunding is a financial activity that has emerged in recent years to raise funds through the Internet. in order to complete specific projects and achieve specific goals, fund-raisers raise funds from many investors through the Internet platform. and give investors a corresponding return on financing.

In July this year, the General Office of the Guangdong Provincial people's Government issued some opinions of the Guangdong Provincial people's Government on Financial Services Innovation-driven Development, in order to speed up the promotion of financial reform and innovation in Guangdong Province. we will promote finance to better support innovation, the real economy, and opening up and cooperation to the outside world. The "opinion" emphasizes increasing financial support for the revitalization and development of eastern and northwest Guangdong, especially mentioning the need to actively promote the new model of "Internet + 's credit, agriculture, rural areas and farmers" and raise funds for innovative agricultural enterprises, farmers, and agricultural products through Internet crowdfunding, so as to improve the financing efficiency of "agriculture, rural areas and farmers".

Meizhou has been exploring "Internet + credit, agriculture, rural areas and farmers" models such as "agricultural crowdfunding" for more than a year. How is this model developing? What kind of changes have been brought to the agriculture of our city? What kind of difficulties do you encounter?

A

[status quo]

21 crowdfunding projects involve a wide range of agricultural and sideline products

In August 2015, the Meizhou Central Branch of the people's Bank of China used monetary policy tools and the achievements of the credit system to organize the participation of local government departments, financial institutions and Internet enterprises. began to build a new crowdfunding model of "Internet + credit, agriculture, rural areas and farmers".

According to data provided by the Meizhou Central Branch of the people's Bank of China, by July 2016, Meizhou had successfully launched 21 projects through the crowdfunding model, attracting a total of 803 online investors, successfully raising 3.39 million yuan, and the expected output value of the project was 11.38 million yuan. Online agricultural projects involve honey, pomelo, Pueraria lobata, Ganoderma lucidum, yellow rice wine and other agricultural and sideline products.

In August last year, Lin Gansong, owner of Kecheng Farm in Baima Village, Jiaoling, became the first person in our province to try agricultural crowdfunding. A year has passed and great changes have taken place in Kecheng Farm. When the reporter came to the farm, he came across a dealer who was hoping to order 30 tons of high-quality rice from him for branded sales.

A year ago, Lin Gansong, who contracted more than 700 mu of local land in the form of the transfer of land contract rights, introduced high-quality rice varieties from the Academy of Agricultural Sciences, adopted biological pest control and weed control to develop green agriculture to grow ecological rice, and rehired local villagers to work on the farm.

Lin Gansong said, "there are 12 regular workers in the farm. When the farm is busy, we have to hire more than 60 workers. Money on hand is sometimes very tight, so it is more difficult to expand the scale."

Over the past year, Lin Gansong has conducted three successful crowdfunding on the "spot Finance" platform, raising a total of 850000 yuan. At the same time, through Zhengqin Internet Finance Company guarantee in the local rural credit cooperatives to obtain 500000 yuan of credit loans, the money is used for the operation and development of the farm.

Lin Gansong's farm planning has moved forward steadily, the planting area of conventional rice on the farm has increased to more than 1200 mu, and the price of rice per jin has reached 8 yuan per jin. Kecheng Farm's fragrant rice fame has become famous in the industry. "the output this year has basically been ordered, so I don't dare to take any more orders because I'm afraid it won't be enough."

Due to the increase in rice supply and demand, the surrounding processing plants have been unable to meet the farm demand, Lin Gansong urgently needs to supplement the rice processing link. "next, I want to build an office area for rice processing and storage there to form a complete industrial chain," he told reporters, pointing to the edge of the base and a leveled open space. "

The reporter learned that the current participation in crowdfunding platform financing, the need to pay two types of fees. Part of it belongs to the platform company, which is generally 5% of the financing target. The other part is the income promised to investors, usually at an annualized rate of 10-20%.

B

[difficulty]

The credit information and credit guarantee mechanism of agricultural enterprises need to be improved.

The agricultural crowdfunding model has been running for more than a year, and there are also some problems to be solved in the extension process.

The reporter visited some agricultural projects with funding needs and learned that the current ability of crowdfunding to meet funding needs is still limited. "according to our planting scale, the financing is generally about 200000 yuan. But this is only a drop in the bucket for the whole project investment. We look forward to a larger amount of loans to help farmers. " A farmer who grows honey pomelo told the reporter.

Financial companies involved in crowdfunding also seem to have encountered some obstacles. Zhao Sheng, head of the Dianzhou.com project, said: "although the Meizhou agricultural crowdfunding project has received a lot of support and help from the central branch of the people's Bank of China and the Bureau of Agriculture in the past year, the government's supporting measures, such as risk protection measures, have not been put in place." as a crowdfunding platform, they do not dare to increase the quota on a large scale out of risk considerations. " At present, except Jiaoling County has a certain foundation in the guarantee system, the other counties are basically in a blank state in terms of guarantee.

Liao Yaohui, general manager of Zhengqin Finance, believes that the credit problem of agricultural enterprises restricts the promotion and replication of business. If the local government can give appropriate risk-taking in supporting agricultural crowdfunding and improve the credit information system of farmers and agricultural enterprises, it will stimulate the development of agricultural crowdfunding.

C

[exploration]

Innovate the guarantee Mechanism to solve the contradiction between production and Marketing

A few days ago, Zhang Jin, secretary-general of the Guangdong Financial consumption Rights Protection Federation, revealed that the "Guangdong" Internet + Credit, Agriculture, Countryside and Peasants "crowdfunding Project work guidelines have been formulated and will be released at the right time. Next, we will promote the establishment of a unified "Internet + credit agriculture, rural areas and farmers" agricultural platform in Guangdong Province, expand the scope of crowdfunding for high-quality agricultural products, and promote inclusive finance to be implemented. In the process of promotion, the government and financial institutions are also making some explorations to this end.

As a demonstration site of comprehensive rural reform and a pilot county of inclusive finance in rural areas of the province, Jiaoling County is in the forefront of the construction of the financing guarantee system for agriculture, rural areas and farmers. This year, Jiaoling County took the lead in issuing the "implementation Plan for promoting the accelerated Development of the" Internet crowdfunding + Credit, Agriculture, Countryside and Peasants "model, and established the" Internet crowdfunding + Credit, Agriculture, Countryside and Farmers "work leading Group, which is used to promote the development of the whole model.

In accordance with the provisions of the implementation plan, crowdfunded agricultural projects will be selected through the following procedures. High-quality agricultural projects will be selected by the Agricultural Bureau; the people's Bank of China will carry out credit rating on the agricultural project subjects, bring the project subjects who meet the evaluation conditions into the financing main body cultivation pool, and recommend them to Internet crowdfunding companies for reference; the government provides village-level guarantee funds for project subjects who receive Internet crowdfunding funds in the financing main body cultivation pool. Internet crowdfunding companies raise funds for the main body of agricultural projects, and share credit information to Meizhou farmers' integrity information service system and other multi-cooperative operation mode.

In May this year, the company signed a tripartite agreement with the Zhaofu Village Committee of Jiaoling County and Zhaofu Distillery, taking the guarantee fund of the village committee as the guarantee basis, and successfully raised 100000 yuan for Zhaofu winery on the platform. This "Internet crowdfunding + credit rating + village guarantee fund" financing model not only provides strong support for rural financial services, but also improves the vitality of the agricultural crowdfunding model.

A few days ago, the Meizhou Bureau of Agriculture also said that in order to solve the difficulty and high cost of agricultural financing, it is preparing to issue a new "measures for the Management of Credit risk compensation Fund for New Agricultural main bodies" this year. On the basis of in-depth cooperation with Postal savings Bank, Bank of China and Agricultural Bank of China, the government will invest money as a credit risk compensation fund and give priority to customers listed in the key list to carry out loan business at preferential interest rates. The risk loss caused by the loan for the operator through the risk compensation fund shall be compensated in accordance with the contract. Industry insiders believe that this move will also help to promote the "Internet crowdfunding + credit, agriculture, rural areas and farmers" project.

Chen Difan, project director of Dianzhou.com Meizhou Project, has been stationed in Meizhou promotion project since March this year. "of the 10 crowdfunding cases I have come across now, most agricultural project people want to develop steadily, so they are more willing to open up sales for their products than to raise money," he says. "

Nowadays, the upgrading and expansion of the Internet financial model has been exploring to solve the contradiction between the production and marketing of agricultural products.

Liao Yaohui said: "next, we will continue to do more innovation and exploration in the Internet to support agriculture, rural areas and farmers, strengthen the linkage with agriculture-related financial institutions and government departments, and solve the three major problems of production, marketing and financing of agricultural enterprises through the Internet. gradually extended to its upstream and downstream supply chain, so as to more flexibly meet the financing needs of agriculture, rural areas and farmers, reduce financing costs and achieve risk control. At the right time, combine consumer finance with agricultural e-commerce, try to open up the consumer financial market of agricultural products, drive more agricultural products into the city, and make green and healthy agricultural products become the consumption habit of urban people. "

Zhao said that at present, there is still a process in the acceptance of many agricultural enterprises and farmers, which requires relevant departments to introduce corresponding measures to promote the upgrading of e-commerce in "Internet + Modern Agriculture". "the e-commerce platform of Dianping Network has been established and is solving the problem of fresh circulation. At present, we are also adopting immersion virtual reality scene (vr) method to show agricultural products to investors, in order to enhance the sales competitiveness of Meizhou agricultural products. "

In order to let the broad masses of farmers understand and promote the new model of agricultural crowdfunding and help farmers to raise funds and sell agricultural products, in November last year, the people's Bank of China Meizhou Central Branch, Meizhou Daily, Municipal Finance Bureau and Municipal Agricultural Bureau jointly hosted the fourth Guadu Wealth Forum and "Internet + Credit, Agriculture, Countryside and Farmers" Promotion meeting. Attract hundreds of people in charge of agricultural enterprises (family farms) and related personnel, farmers' representatives and so on to participate. Professionals and representatives of the crowdfunding platform conducted special lectures and exchanged face-to-face communication and docking with representatives of agricultural enterprises. On the same day, all the three agricultural projects in our city that launched crowdfunding successfully raised 550000 yuan.