Lead of 26 counties in the mountain district!Zhejiang Yongjia Innovation launched the mortgage loan of the operating rights of ecological plantation

Can the management rights of plantations be mortgaged? Since the beginning of this year, based on the pledge of pledge loans of the homestay operating rights of the Homestay, the People's Bank of China has united the Yongjia County Agricultural and Rural Bureau and other departments to lead the pilot pilot of the "Yongjia County to promote the mortgage loan of living poultry and ecological plantation in Yongjia County. "Working Plan", comprehensively broaden the tangible transformation of rural real estate and intangible assets to financial value.

Yongjiamou Ecological Tea Co., Ltd. is a new type of rural business. Affected by the epidemic, although the company received new orders, the mobile funds were tight and urgently needed to meet the needs of order production. After understanding the situation, Yongjia Rural Commercial Bank took the initiative to come to the door to serve. The company's 718 acres of tea farm operating rights for 30 years as a mortgage was used to formulate a mortgage plan for the operating rights of an ecological plantation for 1 million yuan.

The successful landing of this loan was first benefited from the expansion of the scope of the confirmation of the certificate and cracked the problem of mortgage registration. Planting parks mainly rented land have no relevant property right certificate, and no vouchers can be mortgaged. Yongjia Innovation will be large -scale production, normal production and operation, and relatively stable income (including crops on the land) to confirm the right to operate the planting garden. Implement the integration of certificates and confirmation.

Yongjia's first "Wenzhou Rural Property Trade Certificate"

The right to operate the ecological plantation is completed. After completing the online mortgage registration through the unified registered register of the real estate and rights, the above -mentioned 1 million loans are issued on the same day.

As for how 1 million yuan is confirmed, that is, value evaluation difficulties, Yongjia has established a multi -dimensional evaluation system with market value and insurance compensation as the core. Factors such as the expected income of crops. The loan amount of the policy of insurance for policy agricultural insurance can reach 200%of the maximum amount of plant insurance compensation.

In order to solve the problem of risk protection and risk disposal worried by financial institutions before -what if the planting garden is not good at repayment and repayment? How to deal with business rights to realize capital recycling?

First of all, the above -mentioned mortgage registration can allow financial institutions to inquire and understand all the real estate and rights under the name of the lender. Farmers' policy agricultural insurance. When crops are disaster, the insured households can enjoy up to 80%of the fiscal premium subsidies. While solving the worries of the growers, they can enhance the confidence of banking institutions.

On the disposal end, Yongjia Innovation establishes the negotiation mechanism for the disposal of the mortgage loan disposal of ecological plantation, clarify the county's financial work service center to dispose of the lead department for risk disposal, and select 221 common financial commissioners to send normalized financial assistance. Ecological plantation management rights and ground crops can be transferred through the Yongjia County Rural Property Rights Circle Transaction Service Platform Agreement, or they can also apply for arbitration or litigation. The business entity of refusal to cooperate or maliciously evading debt will be submitted to the county agricultural and rural bureau for relevant punishment, and reports the credit records in accordance with regulations.

Communist Financial Commissioner entered the tea garden on site investigation

The reporter learned from the Yongjia County Sub -branch of the People's Bank of China that as of the end of July, Yongjia had three ecological plantation operating entities to obtain a mortgage loan of 1.4 million yuan of ecological plantation, with a weighted average loan interest rate of 4.35%. At present, the interest rate of the mortgage loan of the ecological plantation in the jurisdiction does not exceed the LPR+180bp of the same period of the same period announced. In order to encourage loans, the corresponding loans issued by the legal entity can be included in the central bank's re -loan fund support object, and the central banks such as the legal entity and other central banks have re -loan low -cost funds support to the legal person institution, which supports the effects of effectively reducing the financing cost of growers.

Source: Wen Du reporter Yang Xiaoyan Correspondent He Lizhi

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