[ China Agricultural Machinery Industry News ] China News Service, Beijing, September 25th, Chinese Minister of Agriculture Han Changfu said at the Financial Services Agriculture Modernization Summit held on the 22nd that the lack of rural financial supply is a long-term accumulation problem, and the need for service agriculture modernization Increase financial innovation.
In recent years, China's agricultural and rural reforms have developed rapidly, and the service capacity and level of China's rural finance have improved markedly. In the past 10 years, China's premiums have increased from 5.18 billion yuan (RMB, the same below) to 41.7 billion yuan, becoming Asia and the world. Second, the agricultural insurance market has established an agricultural credit guarantee system covering all provinces in the country.
However, Han Changfu pointed out that finance is still a big shortcoming in China's agricultural support protection policy system. The problems of difficult loans, expensive loans, and low insurance are still prominent problems for farmers. According to statistics, in 2016, agriculture-related credits were 28.2 trillion yuan, accounting for 26.5% of all loans, but farmers' loans were only 6.6%, and agriculture, forestry, animal husbandry and fishery loans were only 3.4%. "This is not in line with the status and role of agriculture. It is not commensurate with the development needs of the agricultural industry."
At present, China's agriculture is entering a crucial period of transformation and upgrading and the development of modern agriculture. Han Changfu said that modern agricultural capital is intensive and the level of technical equipment is high. It is difficult to make great development by relying solely on agricultural self-accumulation and relying solely on farmers' own investment. Promoting agricultural modernization must rely on external capital, especially to play the supporting role of modern finance.
Han Changfu pointed out that financial services for agricultural modernization should be intensified and financial innovation should be accelerated. In terms of product innovation, agricultural credit should expand the scope of agricultural collateral, develop “two powers†​​mortgage, large agricultural machinery mortgage, warehouse receipt policy pledge; agricultural insurance should be directed at increasing production costs, natural and market risks intertwined Designing and retaining good products; agricultural investment and financing should set up industrial guidance funds for the problem of large agricultural input demand and low social capital enthusiasm; in the mechanism innovation, some subsidy policies and financial tools will be used together. Mobilize the enthusiasm of financial institutions to support agriculture.
In addition, Han Changfu also pointed out that it is necessary to learn from the successful experience of the American farm credit system and the Japanese Agricultural Association's financial services, and to explore and establish a national financial service system focusing on agriculture and rural areas.
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