New type of agricultural business entity to develop financial support path

Financial supports the development path of new agricultural business entities

Ren Lin (Chairman of the Party Committee Secretary of the Sichuan Economic Credit Agency) Zhou Yong

At present, the number of new agricultural operations has continued to increase, which has become an important driving force for rural economic development. However, its small scale and weak ability to resist risks have caused the development of new agricultural business entities. Strong credit support and financial services are effective ways to promote the development of new agricultural business entities. To this end, taking the new type of agricultural subject as an example, it focuses on the current development status of new agricultural business entities, the main difficulties and problems currently facing, and some investigations, analysis and research on future work measures, and promote new types of agriculture through high -quality and efficient financial services to promote new agricultural agriculture Stable development of operating subjects.

New type of agricultural business body

As of the end of March this year, there were 498 new agricultural business entities in the county, including 253 household farms, 234 professional cooperatives, and 11 industrial leading enterprises. A total of more than 38.5%of the total number of new agricultural operating entities will be issued by the agricultural credit. In the development of credit support for new agricultural business entities, Agricultural Credit has launched a variety of products such as "Shu Qing Revitalizing Loan", "Garden Insurance Loan" and "Entrepreneurship Loan", as well as the "1+N" business model of agricultural industrialization enterprises through credit and mortgage. The new type of agricultural business entity credit support is given. In order to effectively solve the funds of the agricultural credit institutions in the process of processing and manufacturing enterprises in a tea industry. The healthy and sustainable development of customers on the industrial supply chain.

The feasibility analysis of financial support for new agricultural business entities

National policy support has good living space. The General Office of the Central Committee of the Communist Party of China and the General Office of the State Council issued the "Opinions on Accelerating the Construction of Policy Systems and Cultivating New Agricultural Business entities". Through policies such as agricultural machinery purchase subsidies, it is necessary to tilt to the new type of agricultural business entity; encourage the development of new rural cooperative finance and steadily expand farmers Pilot cooperation within the cooperative; implement policies such as green channels for fresh agricultural products transportation, value -added tax exemption from vegetable circulation; and include new agricultural business entities in college graduates' "three branches and one support" plan, college student village official plan service post expansion A series of policy support such as scope. From the policy level, further support the new type of agricultural business entity to drive the planting and scale of ordinary farmers, and provide full -process services such as professional services and production custody to improve the scale of agricultural services. Guide the cluster of new agricultural business entities to promote the development of agricultural professionalization and large -scale production. Support new types of agricultural business entities to build a group of villages, one product, one county, one industry and other characteristic advantageous industries and rural tourism bases, and improve the overall scale of the industry.

Industrial policy support, the market development prospects are broad. In 2013, the Central Document No. 1 clearly proposed the guidance of building a new type of agricultural business system. The pace of rural land transfer accelerated, and new types of agricultural business entities represented by professional large households, family farms, farmers' professional cooperatives, and leading agricultural industrialization enterprises continued to appear. The county party committee and government implemented the spirit of the Eighth Plenary Session of the 11th Provincial Party Committee and the Ninth Plenary Session of the Fourth Municipal Party Committee, actively invested in the construction of the Shuangcheng Economic Circle in Chengdu, and actively integrated into a new new domestic cycle as the main body and the domestic and international dual cycles. The development pattern is based on the establishment of a national green development demonstration city, and the "small county Youcheng" with the characteristics of the scriptures as the goal of struggle, and adhere to and strengthen the party's comprehensive leadership of the work of "agriculture, rural areas and rural areas" to promote the high -quality development of modern agriculture into The theme, ensuring the effective supply of important agricultural products such as food, and the construction of the modern agricultural park as the starting point to accelerate the construction of the "4+4" modern agricultural system, continue to consolidate the foundation of the agricultural industry, promote the comprehensive development of farmers, promote the construction of rural ecological civilization, and implement the "green green green green The construction of the Meizhou Jing · Livable Countryside "has done a good job of consolidating and expanding the results of the results of the same rural rejuvenation and effective connection, deepening agricultural and rural reforms, comprehensively promoting rural revitalization, and accelerating the modernization of agricultural and rural areas.

The new agricultural industry has developed large -scale development. During the "Thirteenth Five -Year Plan" period, the county vigorously promoted the construction of the modern agricultural industry and continued to strengthen the characteristic and advantageous industries. , Chinese medicinal materials modern characteristic agricultural parks, deep -processed modern agricultural parks, and tea industry modern agricultural parks, forming a "three -line and four parks" development pattern. On the basis of fully guaranteeing the supply of grain and oil, a total of 118,000 acres of ecological tea ecological tea were developed, and it was included in key counties in the province's tea industry; 500,000 acres of forests were developed, and the first batch of advanced units of bamboo forest landscapes in the province and the high bamboo industry high industry high. Quality development focuses on cultivating counties; the development of 100,000 acres of traditional Chinese medicinal materials industrial bases, and Chinese medicinal materials such as Gastrodia, Chonglou, Chuanhuang Bai are accelerated to achieve scale.

Financial policy support to ensure sustainable development. The characteristics of the large -scale and industrialized production of new agricultural business entities that have transformed from traditional agriculture to modern agriculture have brought about intensive operations of land and labor, but also needed financial support. Compared with traditional farmers' loans "small amounts and short cycles", the financial demand of new agricultural business entities has shown new changes: strong demand, large amount, long term, less mortgage, and diversification. Specifically, infrastructure construction is inseparable from financial support. The scale and intensive development of the new type of agricultural business entity requires large capital investment in infrastructure such as production sites, processing equipment, transportation and storage facilities, and new agricultural business entities generally accumulate insufficient accumulation, and credit support is indispensable. Do not open financial support. Compared with the small -scale and decentralized operations of traditional agriculture, the new type of agricultural business entity is larger and the production chain is longer. It is a lot of expenses to pay land rent, purchase agricultural capital, collection and transportation, and processing, let alone expand reproduction. Under the current new normal of my country's economic development, the cultivation and development of new agricultural business entities is of great significance to accelerate the advancement of agricultural modernization, promote the development of urban and rural coordinated development, and achieve the goal of the "four modernization synchronization". Agricultural financial institutions should actively face the new situation and regard supporting the development of new agricultural business entities as political responsibilities and primary tasks that must be assumed. Support for business entities.

Analysis of problems and reasons facing the development of new agricultural business entities

Insufficient management norms, weaker anti -risk capabilities. The establishment of the new type of agricultural business entities is to be increased year by year. The background of establishment is mainly to obtain support and subsidies of relevant policies. It is essentially the same as that of individual industrial and commercial households. The transparency of financial information is low, the lack of strategic planning, production and operation is high, and the market operation and anti -risk capabilities are weak.

Insufficient guarantee guarantee, credit conditions are difficult to meet. Because the new agricultural business entities are in the beginning, the size of the general production and operation is small, and most of the office places are obtained by leasing, which does not meet the conditions of bank mortgage loans. And the most valuable assets of emerging agricultural operating entities such as land contract management rights and rural house sites, or difficulty in the law due to the incomplete provisions of the law or inadequate mechanisms or difficulties due to the incomplete support mechanism or because of risk prevention and control and disposal. It takes time. At present, although the provincial agricultural burden guarantee has been introduced, all groups cannot be covered, especially some leading enterprises and customer funds demand for customers above designated size, and their mortgage guarantees need to be resolved.

The risk compensation mechanism for new agricultural business loans is not sound. Insufficient financial investment. Relevant departments have some cross -repetitive or missing phenomena in the use direction, implementation scope, construction content, and project arrangement of funds, which makes it difficult for it to play the maximum benefits; the insurance effect is insufficient. Affected by the coverage of agricultural insurance coverage, type of insurance, disaster prevention mechanism, and compensation level, the problems of family farms and farmers' professional cooperatives are unwilling to participate in insurance and the insured rate is not high. It is difficult for agricultural insurance to form a strong support for modern agriculture.

Countermeasures and suggestions

Improve the rural financial service mechanism. Through communication with the Agricultural and Rural Bureau, the Agricultural Credit will actively cooperate with the Agricultural and Rural Bureau to do a good job of research on "rural property rights+" financial products, and explore the establishment of rural property rights to support the pledge financing and risk sharing mechanism. Promote the use of "agricultural loan" comprehensive financial service platforms, continuously optimize the operating mechanism, and guide more financial institutions to participate in the construction and application of the platform. Accelerate the improvement of the agricultural insurance system, promote policy insurance expansion, increased quality, and bidding, and reduce the risk of farmers' production and operation. Explore the promotion of collaborative innovation mechanisms such as "bank insurance, silver, banking insurance, and silver administration". Explore the establishment of a credit evaluation system for property rights trading and improve the credit reporting system. Establish an industrial and commercial capital to enter the countryside to promote the promotion mechanism.

Standardize the management of new agricultural business entities. Through the "Financial Night School" and cooperation with units such as the Agricultural and Rural Bureau, the Rural Revitalization Bureau and other units, the new type of agricultural operations clarify the property rights, establish and improve various rules and regulations, and improve the accounting system. Through financial institutions Experts are requested to train the management and operation of the new agricultural business entity to be able to operate a good enterprise, so that the business management of the new agricultural business entity meets the requirements of credit access. Establish and improve the incentive mechanism at all levels. Focusing on the transformation and upgrading of the county's characteristic and advantageous industries, make full use of monetary policy instruments such as supporting agricultural re -loans, discounting, deposit reserves, etc., and support and guide agricultural financial institutions to increase credit investment in new agricultural business entities such as family farms ; Further increase the assessment of the government's implementation of the agricultural policy to evaluate the assessment and guidance to drive financial institutions to support the development of new agricultural business entities; for the agricultural credit investment of financial institutions, governments at all levels must introduce incentives from financial, taxation and other aspects of incentives. Policies, effectively enhance the enthusiasm and initiative of banking financial institutions to support new agricultural business entities.

Establish and improve the compensation mechanism for risk sharing. In order to effectively avoid natural risks, increase cooperation with insurance companies, guide insurance companies to improve agricultural insurance varieties, increase rural insurance density and insurance depth, actively encourage lenders to participate in insurance, improve the losses and compensation capabilities of the agricultural industry, effectively avoid natural disasters, The risks brought by the loan households form the co -effort of finance and insurance support; actively coordinate the government, establish a long -term agricultural development fund, loan discount discount, and credit risk sharing mechanism. The loan loss section is compensated according to a certain proportion, and appropriate rewards for non -credit risks will be given to the credit risk control and launch of the credit risk -related financial institutions. Give full play to the risk of controlling control. Further play the role of credit enhancement in the provincial agricultural burden company. Further optimize the business cooperation model and process with the provincial agricultural company, and strive to build a multi -party combination of comprehensive coverage of credit risk compensation mechanisms; continue to make good use of the risk development compensation system for rural industry risk. It is necessary to use the policy and capital advantages to make good use of the compensation for the development of the risk of living agricultural industry, focusing on supporting the development of moderate -scale new agricultural business entities, priority to support the integration and development of grain production, agricultural one, two, and tertiary industries, etc.; To play the role of various types of agricultural insurance. Actively carry out policy agricultural insurance, establish a special agricultural insurance system, innovate insurance types, optimize insurance participation services, improve the efficiency of investigation and claims, and expand the coverage of agricultural insurance; continue to promote the construction of rural credit systems. Establish and improve the credit collection and evaluation system for new agricultural business entities, give full play to its faithfulness, the leading role and radiation effect, and actively cultivate and build a good credit environment and financial ecology.

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