Financial support for spring ploughing and spring planting

It is understood that the planned planting area of Daqing in 2023 is1/kloc-0.49 million mu, including rice/kloc-0.9 million mu, corn 6.97 million mu and soybean1/kloc-0.7 million mu.

In order to ensure the smooth progress of spring ploughing production, the relevant departments of our city acted as early as possible, and all the preparations were solid and sufficient.

Since the beginning of this year, the Daqing Central Sub-branch of the People's Bank of China has actively docked with the Municipal Bureau of Agriculture and Rural Affairs, organized county sub-branches and agricultural financial institutions under its jurisdiction to conduct in-depth research, and guided agricultural financial institutions to highly understand the importance of stabilizing grain and agricultural production, rationally formulate credit fund investment plans, and actively raise funds to ensure sufficient credit funds during spring ploughing.

At the same time, the Daqing Central Sub-branch of the People's Bank of China also conducted in-depth research on the demand for refinancing funds, and provided refinancing support to corporate financial institutions with insufficient agricultural credit funds according to the demand and matching during the spring ploughing period. By the end of February, the balance of agricultural loans in Daqing was 4 1 100 million yuan, of which the balance of poverty alleviation loans was 290 million yuan.

At the beginning of this year, the account manager of Zhaoyuan County Sub-branch of Postal Savings Bank learned that Li Mingtao was in urgent need of spring ploughing funds, and visited and conducted field investigation at the first time. On the same day, I applied for a loan, submitted it for approval, completed the electronic signing, and issued a "big planter loan" of 300,000 yuan.

In order to help spring ploughing production, the agriculture-related banking institutions in our city take the initiative to provide on-site services, provide personalized financial services, and speed up the issuance of spring ploughing loans.

It is reported that rural commercial banks in urban areas and four counties have made it clear that in 2023, spring ploughing loans should be issued with "three 100%", that is, the effective credit demand satisfaction rate of credit rating customers will reach100%; The credit rating rate of new loan demand customers reaches100%; For new agricultural production and operation entities that meet the loan conditions, the loan issuance rate should reach 100%.

Daqing Branch of Agricultural Bank of China established a white list mechanism for farmers' capital demand during spring ploughing, set up a professional white list auditing team, accelerated the generation of white list verification, and realized the declaration, auditing and warehousing of white list on the same day to meet farmers' capital demand.

At the same time, the agricultural banks in Daqing actively innovated credit products, and launched a variety of credit products such as "peanut loan", "local mortgage loan" and "agricultural insurance e-loan" according to local conditions.

As of March 13, Daqing Agricultural Bank has provided 28,000 loans for spring ploughing production by using online credit products, accounting for 85.5% of the accumulated loans for spring ploughing production. Online credit products have become the main form of financial support for spring ploughing.

In addition, Daqing banking institutions have issued a number of preferential credit policies for agriculture-related entities, such as increasing the loan amount and reducing the loan interest rate.

Zhaozhou Rural Commercial Bank raised the maximum loan amount of farmers from 50,000 yuan to 6,543.8+0.5 million yuan, and lowered the interest rate of spring ploughing loans by 654.38+0.28 percentage points, thus alleviating the financing difficulties and high financing costs of farmers. Daqing Rural Commercial Bank lowered farmers' credit loans by 0.5 percentage points during the spring ploughing this year; Daqing Branch of Agricultural Bank of China raised the maximum credit loan amount of "Huinong e-loan" farmers from 200,000 yuan to 300,000 yuan, and adjusted the time point and valuation standard of farmers' loan performance evaluation data. On the premise that the performance standard remains unchanged, it raised the valuation standard in the first or second quarter to encourage the early and rapid issuance of spring ploughing loans.

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