Finance helps the high-quality development of agriculture
Recently, the General Office of the People’s Government of Henan Province issued the "Implementation Opinions on Further Giving Play to the Guarantee Role of Agricultural Credit to Promote the High-quality Development of Agriculture", effectively giving play to the guarantee role of policy-based agricultural credit, effectively solving the problems of financing difficulties and expensive financing in agricultural development, boosting the high-quality development of agriculture and accelerating the construction of a strong modern agricultural province.
At the same time, as the only provincial policy agricultural credit guarantee institution in the province, Henan Agricultural Credit Guarantee Co., Ltd. (hereinafter referred to as Henan Agricultural Company) handed over a brilliant "Thirteenth Five-Year Plan" report card to solve the financing problem of agricultural moderate-scale business entities.
Give play to the role of policy guarantee to help agriculture
Henan, as a major grain province, undertakes the political task of ensuring national food security. Based on the policy-oriented functional orientation, Henan Nongdan Company has taken the initiative to shoulder the heavy responsibility of ensuring food security and focused on the "bumper harvest burden" pure credit guarantee products developed by high-quality grain industry. At present, it has guaranteed loans of 9.924 billion yuan for 21,500 grain-scale business entities in the province, saving financing costs of more than 397 million yuan.
In huixian city, Wang Xiangkun’s seed company is mainly engaged in the breeding and purchase and sale of improved wheat varieties. After more than ten years, he lamented: "Now the national policy of benefiting farmers is getting better and better, and the biggest feature is that the financing cost is reduced. With the loan guarantee of Henan Agricultural Bank, compared with before, this year, it can save nearly half of the interest. Not only that, I thought that the loan process affected by the epidemic would be more troublesome and long-term. I didn’t expect them to complete the loan in less than a week. "
As an important means to solve the financing problem of agricultural business entities, stimulate their endogenous vitality, and an important tool to incite financial capital and guide social capital to invest in agriculture, Henan Agricultural Bank Company has always adhered to the policy orientation, focused on serving agricultural business entities with moderate scale, and actively solved the problems of difficult and expensive agricultural financing.
By the end of 2020, the accumulated guarantee scale was 27.831 billion yuan, ranking first in the national agricultural burden system. Carry out business in 133 agricultural counties in the province to achieve full coverage of agricultural counties; The compensation rate is lower than the average level of the national agricultural burden system.
In the process of realizing this achievement, Henan Nongdan Company has made many innovative explorations.
In terms of organizational guarantee, according to the requirements of the state, the provincial party committee and the provincial government on the management mode of "light structure, verticalization and flattening", and the idea of "combination of various sectors, multi-channel risk sharing and information-based big data support", an agricultural credit guarantee system covering the whole province was constructed, and the business achieved full coverage of agricultural counties.
In the top-level design, innovate the mechanism of financial and financial linkage to support agriculture. By the end of December 2020, it had established cooperative relations with 78 banks, carried out business cooperation with 8 municipal and county government financing guarantee institutions, and carried out business cooperation with 102 counties in accordance with the "political and banking burden" model.
In terms of product innovation, we have jointly developed a series of pure credit products with characteristics such as bumper harvest burden, animal husbandry burden, market burden, etc., around ten dominant agricultural products, such as high-quality special wheat, peanuts, grass and livestock, forest fruits, vegetables, flowers and trees, tea, edible fungi, Chinese herbal medicines and aquatic products, and created a "Yunong burden +N" product system, which provides services for agricultural moderate-scale business entities, village collective economic organizations, high-quality farmers and entrepreneurs returning home.
In terms of micro-credit for poverty alleviation, by the end of December 2020, the accumulated guarantee scale was 8.389 billion yuan, which drove more than 180,000 poor households to increase their income. In lankao county, Tuling Village and Guandong Village were selected as the pilot projects, and the model of "Xintiandi Cooperative+Village Collective Economic Organization+Farmers" was explored, and innovative service products were developed in line with the characteristics of traditional rural collective economic organizations. In October 2020, the first loan guarantee service of 750,000 yuan from rural collective economic organizations in Henan Province officially landed in Tuling Village Stock Economic Cooperative.
Digital transformation has achieved initial results.
Wang Laiqing, a guarantee customer in Xinyang City, Henan Province, can apply for the project, sign the contract, pay the fee by scanning the code (one single item and one yard), inquire about the balance under guarantee, and remind the due repayment online without leaving home. At the same time, you can also enjoy free value-added services such as industry information, live broadcast of agricultural technology training cloud, online answering questions of agricultural experts, business and legal consultation, and truly realize "one-click understanding, one-click inquiry and one-stop service".
In terms of digital transformation, the focus is on "12345", that is, building a platform ("Smart Agricultural Load" cloud platform), improving two capabilities (digital innovation capability and digital operation capability), and realizing four unifications (unified portal access, unified mobile application, unified PC application and unified big screen display) around three centers (business center, approval center and data center).
At present, Henan Agricultural Load Company has become the only province in the national agricultural load system to handle the whole process of guarantee business online. At the same time, make full use of financial technology such as big data, artificial intelligence and biometrics to promote the deep integration of artificial intelligence technology and guarantee business.
Drawing the "14th Five-Year Plan" to Promote the High-quality Development of Agriculture
Draw the 14th Five-Year Plan and start a new journey. 2021 is the 100th anniversary of the founding of the Party and the first year of the 14th Five-Year Plan. Henan Agricultural Bank has compiled the 14th Five-Year Plan, built a "one body and two wings" guarantee system, improved the service capacity of financing guarantee, fulfilled the requirements of the Opinions of the provincial government, and formulated supporting measures such as business operation rules, risk fund management measures, discount management measures, pilot work plan and local government cooperation agreement.
Strengthen cooperation with banking financial institutions and county-level governments, build a new cooperation model of "government and bank bearing", establish a "1+N" guarantee product system covering all agricultural sub-sectors in the province step by step by county, and select one leading agricultural industry and two key agricultural support with advantages and characteristics in each county. At the same time, comprehensive use of information, intelligent means, big data, cloud computing and other technologies will improve service quality and efficiency, enhance the level of intelligent risk management and control, and steadily expand the scale of agricultural credit guarantee in Henan Province.
"Henan Agricultural Bank will focus on the decision-making arrangements of the provincial party committee and the provincial government, base on the policy-oriented functional orientation, take the party’s political construction as the guide, and plan the development objectives and tasks of the 14th Five-Year Plan in a systematic and scientific way according to the concept of market-oriented operation, continuously improve its business expansion ability, do a good job in effectively connecting the achievements of consolidating and expanding poverty alleviation with rural revitalization, and help Henan’s agricultural high-quality development and shoulder the heavy responsibility of stabilizing food security with finance, so as to provide a good start for Henan’s economic and social development during the 14th Five-Year Plan. The person in charge of the company said.