Innovate the new model of financing to brighten the "Grain Bank" gold signboard

Innovate the new model of financing to brighten the "Grain Bank" gold signboard

In 2021, in order to actively explore the path and model of innovative financial support to support rural revitalization, promote the improvement of rural rejuvenation and quality and efficiency in the financial support of Guangyuan City. The principle of win -win and risk sharing, actively participate in the public bidding of the "Guangyuan Grain acquisition loan credit guarantee fund bank loan project" organized by the Municipal Development and Reform Commission, and win the management operation of the fund in one fell swoop. The fund has a total of 5 million yuan, and a total of 12 finances and counties and districts at all levels in the city have participated in the acquisition of state -owned grain collection and storage enterprises to contribute and covered the four districts of the four counties of Guangyuan. In April 2022, the grain authorities of all counties, 12 households, and 12 households, and local agricultural issuance of the "Fund Management Tripartite Agreement" was officially signed. The Grain Credit Guarantee Fund was officially operated before the summer grain was opened.

The establishment and actual operation of this fund, the function of expanding the policy banking of agricultural issuance, and better ensuring the funds supply of funds for funds to consolidate the work foundation. The work provides strong support, while bringing the following better social effects.

The first is to raise market -oriented acquisition funds for grain companies to increase credit, solve the problem of insufficient mortgage in grain enterprises, and improve the financing capabilities of enterprises. At the same time, it is also conducive to enhancing bank loan confidence and loan investment. According to the bank's 2022 summer grain acquisition situation, a total of 13 households, 3 households, and 7 farmers have been investigated to investigate 13 households, 3 households, and 7 farmers. Therefore, it not only plays a role in financing and credit increase, but also further protects the interests of farmers breeding farmers, which can effectively solve the problem of "difficulty in financing" and farmers' "food difficulties".

The second is to enjoy the financing and credit increase services provided by the credit guarantee fund, and credit services to obtain preferential interest rates in the management bank. The loan issued by the credit fund can be 10-15 times the amount of deposit funds, and the market-oriented acquisition loan is issued in a credit method. The specific magnification can be comprehensive according to the corporate credit level, profitability level, and degree of cooperation. According to the predictions of relevant departments, the city's total wheat output of wheat and wheat this year was 82.2 million kg, an increase of 4.45 million kg over the same period last year. It is expected that the volume of goods is 4.90.72 million kg, an increase of 1.39 million kg over the same period last year, with a commodity rate of 60%. The total output of rapeseed seeds was 43.252 million kg, an increase of 11.64 million kg over the same period last year; the estimated volume of goods was 25.254 million kg, an increase of 40,000 kg over the same period last year, and the product rate was 58%. The current market -oriented grain acquisition prospects are good. In order to promote the processing and transformation of enterprises and fast purchase, the agricultural distribution allows funds to turn on loans, which improves the efficiency of funds and reduces the cost of corporate funds.

Third, the risk of loan is jointly borne by the fund, enterprise, and banks to form a situation of "political, enterprise, and silver". It will be placed directly to the borrower's acquisition of loans, and in accordance with the bank's fund payment management requirements, the fund payment is performed through online banking, which can effectively strengthen supervision and ensure that special funds are dedicated. At the same time, if there is a loan that has not been recovered, the credit guarantee fund will be compensated by transition, and the compensated enterprise will fully supplement the compensation funds within one year of compensation, thereby ensuring the security of credit funds.

The credit guarantee fund is a combination of the government's guidance of four or two pounds of funds. It is also the strategic mechanism arrangement that is currently currently in charge of the current and long -term long -term strategic mechanism. The person in charge of the bank stated that according to the actual needs of the enterprise, it will be carefully implemented in accordance with the relevant system and documents, support the market -oriented loan of Guangyuan Grain and Oil, actively expand the marketization business of grain and oil The problem is to better fulfill the responsibility of the food security main bank and polish the "Grain Bank" golden signboard. (Yang Qin)

Responsible editor: Zhang Wei Guo Jinhui

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