Currently, with the booming development of new agricultural business subjects, the demand for agricultural production and operation funds has grown substantially, and the demand for loans from business subjects has gradually increased. However, due to the lack of effective collateral, financial institutions have concerns about loans, commercial guarantee institutions have risks. Rural areas still have the problems of "difficult financing, expensive financing, low financing, slow financing" and so on. Even the current problems and risks encountered in agricultural and rural development, to some extent, or "poor money".
The in-depth implementation of the rural revitalization strategy has significantly improved the quality and effectiveness of financial services in agriculture and rural areas. In May 2016, for example, the National Agricultural Responsibility System was established, experiencing a development process from scratch, from small to large. Its financial funds have played an effective role in actively mobilizing bank credit funds and other social capital to support agricultural and rural development. The problem of "difficult and expensive financing" in agriculture and rural areas is gradually being alleviated.
Before the establishment of the National Agricultural Responsibility System, a number of local policy guarantee institutions were established and operated earlier, directly providing valuable experience for the mature operation of the National Agricultural Responsibility System. Beijing Agricultural Capital Financing Guarantee Company Limited (hereinafter referred to as "Beijing Agricultural Accountability") is one of them.
In March 2009, Beijing Agricultural Reclamation was established. The company has always adhered to the positioning of policy guarantee and the original intention of serving the three rural areas. Faced with the market situation of "small agriculture in big cities" and "small urban areas in the suburbs of Beijing" and the law of rural development in the capital city, BNA has flexibly utilized market-oriented means to actively promote policy integration and capital aggregation. Up to now, it has served 25,300 agribusinesses, specialized farmers' cooperatives, growers and farmers, with a cumulative guarantee scale of RMB 38.12 billion, indirectly driving about 20,000 farmers to increase their income. More than 80% of the cooperatives, growers and farmers have received credit support for the first time through the Farmers' Commitment Guarantee, which has greatly alleviated the financing difficulties of the main bodies of moderate-scale agricultural operations.
Reviewing the growth history of Beijing Agricultural Bank, one cannot help but feel that the significance of Beijing Agricultural Bank to rural finance cannot be measured by localized space alone. In a sense, it is like a spark, like a thunderous conversation, effectively alleviating the long-standing agricultural and rural "financing difficulties, financing expensive" problem. But because of its low profile, its contribution to the capital of the prosperous depths of the annihilation; because of its generosity, people are accustomed to its contribution.
Beginning for agriculture, mission for agriculture. Zhang Guoping, chairman of Agricultural Bank of Beijing, said: "Under the correct leadership of the party and the government, Agricultural Bank of Beijing adheres to the management mode of policy funding, corporatization and market-oriented operation, constantly strengthens the connection with farmers, improves the service function for farmers, enhances the level of rural financial services, and is committed to becoming a leader in inclusive finance and the capital of the three rural areas. "
The original intention of the establishment is to guide the financial water to solve the problem of "financing difficulties, financing expensive"
Suburban Beijing, Shunyi District, Zhaoquanying Township, the former Sangyuan Village, Xingnongtianli Agricultural Machinery Co-operative Society compound, rows of harvesters, tractors, seeding machines ready to go. Co-op chairman Chen Ling full of confidence, ready to take them to the spring plowing "main battlefield".
In Chen Ling's opinion, the success of the cooperative can not be separated from the Beijing Agricultural Farm to bring the "timely rain". Agricultural machinery industry is "capital-intensive" industry, an agricultural machinery can easily be tens of millions of dollars, millions of dollars, a large feed harvester up to two or three million yuan. "Just rely on the contribution of cooperative members is certainly not enough. Loans from banks are necessary. But due to the general lack of collateral in cooperatives, banks do not lend." At the beginning of the business, Chen Ling encountered a problem that was common in rural areas at the time.
In times of difficulty, Beijing Shannong extended a helping hand in time to provide Chen Ling's cooperative with agricultural security
The Xingnong Tianli Cooperative started with a few small tractors, and is now a national model society for farmers' cooperatives, with hundreds of advanced farm machines, tens of thousands of acres of land, and an annual income of more than 40 million yuan.
For a business entity like Chen Ling, meeting a farmer is meeting luck. However, the establishment of the Beijing Agricultural Office was no accident, but the result of proactive action by the Beijing municipal government.
At that time, with the rapid development of urban and rural areas, the communication between urban and rural areas needed more financial "living water". However, the general environment of rural finance is not optimistic, the credit business "deposit and loan ratio" is out of balance, agricultural financial institutions to significantly reduce the scale of rural outlets and business, the contradiction between supply and demand is becoming more and more prominent, the rural financial reform has entered a critical period.
According to the memories of a bank executive in Beijing, the low cost performance of rural credit business has led to a biased view of rural finance by commercial banks, which tend to regard it as "baggage" and "short board" rather than "wealth" and "potential". "and potential".
This is true in the capital as well as in other regions. The difference is that the financial needs of Beijing's rural areas are relatively strong, which to some extent provides favorable conditions for financial innovation. Whether Beijing can become the "flagship" to break the ice and open up the frozen rural financial market, traveling on a new historical starting point, is worthy of the community's expectations.
Where is the starting point? "Financing difficult, financing expensive" problem although more concentrated, but after all, the development of the times is the subject of the reality of the problem. Therefore, more practical system design is needed to accumulate the vitality of rural development.
The innovation and exploration of the mechanism cannot be separated from the long-term practice. After repeatedly comparing the advantages and disadvantages of guarantees and mortgages, in 2008, in order to establish and improve the capital's rural financial service system, and to guide financial institutions and social capital to invest in the three rural areas, the Beijing Municipal Party Committee and Municipal Government funded the establishment of an investment and financing platform for agricultural investment, agricultural guarantees, and agricultural funds, and the Capital Group, as a government-authorized institution, was responsible for the establishment of Beijing Agricultural Investment Co. As a government-authorized institution, Capital Group is responsible for the establishment of Beijing Agricultural Investment Co.
Subsequently, Beijing Agricultural Bank was established with an initial registered capital of more than 500 million yuan.
Beijing Agricultural Bank was established with an initial registered capital of more than 500 million RMB, and became an early provincial agricultural guarantee company and one of the first specialized agricultural guarantee institutions in China. The positioning of Agricultural Bank of Beijing is "the capital of inclusive finance, the leader of the three rural areas". Its goal is to solve the "three rural" financing "financing difficult, financing expensive, financing trouble" problem, focus on solving the "three rural" lack of collateral, credit system and other pain points.
In 2019, under the leadership of the Beijing Municipal Bureau of Finance, the Beijing Municipal Bureau of Agriculture and Rural Development and the Beijing Banking and Insurance Supervision Bureau jointly set up the Beijing Municipal Agricultural Credit Guarantee Steering Committee, which guides the construction of the municipal agricultural credit guarantee system, and strengthens the standardized management of the business guidance, support policies, industry supervision, and performance assessment. Since then, Beijing farmers have been driving.
Into the "fast lane" of development.
Beijing Agricultural Guarantee was established more than ten years ago, as the city's only state-owned policy guarantee institution focusing on agriculture-related business, focusing on the service of the capital's three main farmers, the guarantee business is closely aligned with the national and Beijing's agricultural policy, the agricultural guarantee network has covered all the suburbs of the Beijing agriculture-related areas, and with more than 30 financial institutions in Beijing to carry out financing and guarantee cooperation to solve the problem of "financing difficulties, financing expensive" to the greatest extent possible. "Financing is difficult, financing is expensive" problem, not only become the first shareholders of the National Agricultural Guarantee Union Company, the capital market long-term main body credit rating of AA, but also become the city's important platform for the financing of the three rural areas, finance and financial synergies in support of agriculture, an important hand.
Opening the scroll of history, after thirteen years of four seasons, when the Beijing Municipality took the initiative to bear the responsibility of the practice of innovation, and ultimately to the Beijing agricultural loan as a carrier, presenting the capital of the rural financial vitality of the new atmosphere.
Innovative services, building a grip to promote the capital's agricultural and rural development
In the village of Jinxiluo, Xionzhuang Town, Miyun District, 70 kilometers away from the city, Liang Qing, founder of the "old friend season" bed and breakfast, told the story of the story of the Beijing agricultural loan.
"B&Bs can be old, but not broken. A hundred years old room must also have floor heating, bathroom, boutique bed and breakfast to the customer's experience must be benchmarked against the city's high-end hotels." The realization of the dream requires a lot of real money investment, 3 million funding gap how to do, which makes Liang Qing is very difficult.
"My friends helped me solve part of it, but the large upfront investment, slow results and long payback time are the characteristics of doing a B&B." Liang Qing said, "Just at this critical time, Beijing Nongtan appeared. After understanding these ideas of mine, Beijing Agricultural Loan felt that this project is very innovative, the development of a promising, then for me to increase the credit guarantee, so that I obtained a bank loan of 2.4 million yuan, is considered a complete solution to the problem of capital shortfall."
Li Xiaodong, head of Beijing Agricultural Guarantee Miyun Branch, said, "Agricultural guarantee service customers, one should look at the matter, the second should look at the person. At first we were willing to guarantee for Liang Qing, both because she did the project in line with agricultural and rural-related policies, but also because she is dedicated to the cause of the countryside, farmers have the responsibility and feelings."
In 2017, "Old Friends Season" B&B officially opened, and the high-quality accommodation and dining environment soon became a benchmark for boutique B&Bs in Beijing. With the support of the Beijing Agricultural Development Corporation, the village has launched a new rural development model of "ecological agriculture + boutique lodging + nature education", which not only realizes the diversified growth of farmers' incomes, but also promotes the integration of urban and rural elements.
The "Old Friends Season" B&B is a prominent representative of Beijing's support for rural B&Bs on the outskirts of the capital, behind which there is a distinctive background and far-reaching comprehensive considerations of the times.
The pointer back to 2014, suburban tourism in Beijing ushered in a good opportunity for development, but also facing the overall upgrading and upgrading, renovation and upgrading of the level of service and hospitality and many other issues, to solve these problems in the development of the key is to strengthen the financial input. The government soon realized that the government's direct investment or practitioners to invest in their own, far from being able to meet the needs of suburban tourism development.
So Beijing set up the Beijing Suburbs Tourism Financing Guarantee Fund, and then, after bidding, Beijing Farmers' Laboratories became the fund operator, responsible for fund trusteeship and daily operation. According to statistics, as of the end of April 2023, Beijing Farmers Guarantee cumulative guarantee to support suburban tourism projects 2420, guarantee lending scale of more than 3.2 billion yuan, the support object covers the folk household, lodging, picking garden and other business subjects, suburban scenic spots, and other types, the project throughout the suburban districts of Beijing. With 100 million yuan of trustee funds, the cumulative guarantee amplification times more than 30 times, greatly reflecting the trustee funds of the policy guidance, guarantee amplification role.
In the face of the impact of the epidemic, Beijing Agricultural Bank of China took the initiative to take the role of the first to launch the "B&B emergency insurance" and other financial services for the city's cultural and tourism enterprises in the prevention and control of the epidemic, the resumption of work and production, and other aspects to make a useful exploration.
More than just suburban tourism, the Beijing agricultural guarantee by focusing on efficient facilities agriculture, agricultural science and technology, leisure agriculture and other characteristics of the capital's agricultural sector, gathering resources, fission, from shallow to deep, from point to point, precise policy force, strengthen the policy guarantee services. The fist product "excellent agricultural loan" brand now covers the whole agricultural industry chain such as agricultural planting and breeding, distribution of agricultural products, scientific and technological agriculture, and new forms of agriculture; the watermelon loan, chestnut loan, chestnut mushroom loan, poultry loan guarantee around the capital's special planting and breeding and the supply chain guarantee service around the capital's headquarter economy are being carried out in an all-round way.
To walk with the times, to be in sync with the customers, and to synchronize with the partners. Beijing Farmers' Loan has never been a lone wolf, but has actively innovated the business model of "bank loan" and "government bank loan" linkage, improved understanding in communication, expanded exchanges in cooperation, and strengthened innovative services from the level of institutional mechanisms to build a "government bank loan" business model. "The government, banks, and guarantors have been working together to build a financial ecosystem that supports agriculture.
For the government, Beijing Farmers' Laboratory has an existing registered capital of 1.136 billion yuan, and has signed a guarantee fund trusteeship agreement with the Municipal Bureau of Culture and Tourism, and the relevant departments of Pinggu and Daxing districts, and the current scale of trustee-operated guarantee fund is more than 200 million yuan. As for the banks, as of the end of April 2023, there are 23 banks*** within the agreement of Beijing Farmers' Share, with a total credit limit of 15.35 billion yuan, and the basic information of the customers can be realized for the two sides to interoperate and **** enjoy.
Qiu Yan, assistant general manager of Beijing Farmers' Share, said, "Behind all of Beijing Farmers' Share's innovations and changes is the result of uniting the strength of government departments, financial institutions and other parties, and utilizing new thinking, new methods and new means*** to promote the same."
Successful transformation, and constantly improve the level of rural financial services
Development to a certain stage, often have to undergo major changes in order to move to a higher level, such a "nirvana _ rebirth" seems to be a market entity to mature must go through the process, but also from the market's heavy accumulation of refined The company's business is also a major player in the market, and the company is not an exception to this rule.
Beijing Farmer's Laboratory was born in response to the policy, adjusted in response to the policy, developed in response to the policy, and affected in response to the policy. Unlike most other provincial burdens, Beijing agricultural burdens were established earlier than the national agricultural burdens system, which was established in 2016. If it is said that before 2017, Beijing agricultural guarantee is considered to be a quiet wave and smooth, then with the drastic adjustment of the agricultural credit guarantee policy in 2017, it also experienced a valley fluctuation at that time.
In May 2017, the "Cai Nong 40" required a strict definition of policy business standards, the implementation of "double control" standards. The guarantee amount that meets the "double-control" standard shall not be less than 70% of the total guarantee amount. Adhere to the policy orientation, to ensure that the agricultural credit guarantee for agriculture, benefit agriculture, not out of agriculture.
Strict regulations must be strictly implemented. This also means that the Beijing agricultural guarantee must steadily withdraw from the original large amount of agricultural projects, resolutely withdraw from the previous stock of non-agricultural projects, and steadily adjust the business structure under the premise of risk control.
In addition, the financial market, due to the guarantee industry operating body of good and bad, so that part of the market guarantee body risk constantly, and even the whirlwind that is extinguished, people gathered and dispersed.
Macro policy changes, coupled with micro industry to strengthen the constraints and norms, intertwined with their own stubborn habits of thought, the Beijing agricultural guarantee on the future direction of the sudden confusion and bewilderment. The first thing you need to do is to get a good deal of money. In the face of the difficulties and twists and turns, is it a leap of faith, or is it a hovering?
"There are risks and dangers in the road, and those who fulfill them will know." In the face of all kinds of risks and tests, Beijing Agricultural Laboratory has taken a detour, a long way around, but has never stopped exploring the footsteps. They firmly believe that as long as the response is appropriate, you can successfully transform, accelerate the development, and never appear "long push difficult to turn" "turn but not fast" situation.
On the one hand, to strengthen the political construction, the theoretical study as the "first topic", to achieve "organized, managed, tracking"; on the other hand, in the grass-roots front-line practice to find answers to questions.
Employees are ordered to move, waste no time, go to the countryside intensive research, and frequent interaction with peers. Ask the farmers, listen to their voices and understand their choices; ask the banks, explore their wishes and grasp their preferences.
Once in a while, the staff of Beijing Farmers' Laboratory chased the stars and moon in the far mountains and near cen in the suburbs of Beijing, sweated in front of the farmers' fields and houses, drew lessons from exploration and summarized their experiences in practice, which not only stimulated the power of emotion and gained the motivation to move forward, but also gave them rational enlightenment and clarified the direction of their efforts.
The transformation of the operation mode, the transformation of the development mode, and the pain of "turning into a butterfly" have made the business level of Beijing Farmer's Shareholding not regress, but the service consciousness has been strengthened, and it has gained a broader stage of development.
Beijing Gundeli Flour Mill, located in Fangshan District, is a small flour milling enterprise with a daily production capacity of less than 500 tons. As a life-supporting enterprise in Fangshan District, Gong Kuanbing was in dire need of capital to expand production. 2020, at a production and marketing meeting organized by the Fangshan District Agricultural and Rural Affairs Bureau, Zhou Pei, the project manager, got to know Gong Kuanbing, and after learning about his difficulties, he was able to help him raise 1 million yuan in bank financing in the shortest possible time, and then 2 million yuan in the following year.
"At first, I didn't care too much about it, and then I dealt with the farmers more, and found that they were sincere for the customers to do practical things, solve the problem, and do a good job." The "farmers" mentioned by Gong Kuanbing is the Beijing Farmer's Laboratory's West Beijing Management Department, represented by Zhou Pei. Under the guidance of the farmers, Gong Kuanbing learned how to deal with the bank, how to weigh the return on capital, the cost of the loan to calculate the short and long, and even every cent.
"Discovering is not the same as understanding, recognizing is not the same as agreeing. It's not easy to serve well, and it's even harder to be sustainable." Zhou Pei said, in the hard work to pay the bit by bit, the farmers slowly in the hearts of farmers took root, the two sides trust each other, inseparable, not only the achievement of their respective careers, but also warmed each other's lives.
Many years of practice shows that, for the majority of agricultural business subjects, the Beijing agricultural guarantee to bring them, not only financial enrichment, but also more importantly, the financial concept of the update, the increase in the development of opportunities, as well as equality, competition, efficiency, rules, the rule of law and other market awareness of the awakening of the?
"As an explorer and practitioner of specialized agricultural guarantee institutions, Beijing Agricultural Loan Guarantee Corporation has played a great role in promoting the construction of the capital's rural financial service system by continuously improving its institutional mechanism and network layout on the one hand; on the other hand, it has accumulated rich experience through continuous practice and innovation, and has formed a more complete system of agricultural loan guarantee products, which provides a good opportunity for member institutions in the system provides a typical example that can be drawn on and referred to." Yang Chunguang, deputy general manager of the National Agricultural Credit Guarantee Union Limited Liability Company, said.
Timely follow-up, actively planning to implement the country's major strategic deployments
"The nature of 122 acres of land has not changed, nor has the ownership, but only the land management rights, ground attachments as a mortgage, and got a loan guarantee of 1 million yuan." Beijing Farmer's Laboratory and the city's Rural Property Rights Exchange jointly launched a rural land management right mortgage financing products "agricultural rights insurance", so that Daxing District Xiaoyi Ying village villagers Zhang Pengliang Qingyun eco-agricultural sightseeing garden signed the first single.
According to the introduction, "agricultural right insurance" is a rural contracted land management right as collateral, to policy guarantee credit, integrated urban and rural agricultural policy supporting support to crack the Beijing suburbs of the three rural financing problems of the guarantee financing products. The product design focuses more on the financing body's own business expectations and debt repayment ability to examine, weakening the requirements for collateral, but also reasonably increase the loan collateral rate.
In addition to reform and innovation, the implementation of the policy is more imperative. Since the Ministry of Agriculture and Rural Development launched the "credit through train" requirements, Beijing agricultural guarantee prescribed action does not go out of the way, optional action can be colorful. On the basis of the direct mode of "direct reporting of needs by business entities, provision of guarantees by Farmers' Share Company, and credit support by banks", Beijing Farmers' Share Company has internally launched an exclusive guarantee product for the "New Agricultural Credit Through Train" activity, "New Agricultural Insurance", which is based on the business model of "New Agricultural Credit Through Train". On the basis of the straight-through model of "New Farmers' Credit Through Train", Beijing Agricultural Guarantee launched the exclusive guarantee product "New Farmers' Guarantee" for the "New Farmers' Credit Through Train" activity, which clarifies the product content in terms of the business model, operation process and requirements, and provides the business operation standard for the development of activities. Beijing Farmers' Loan is also the first company in the national Farmers' Loan system to realize that its "credit through train" activity has disbursed more than one hundred million yuan.
Beginning with the toughest issues of rural reform, the business that business entities are most looking forward to, and the major strategies formulated by the state and the capital. According to this principle, Beijing Farmers' Laboratory grasps the big and the main, while realizing the small and the small.
"The company's business closely follows the national strategic layout, where the national policy points to, the farm loan service will follow up to where." Duan Qi, executive deputy general manager of Hebei Xiongan Branch, said that the company registered last year and started local office this year, and will carry out business with the guiding ideology of "industry + region" dual core.
Construction of Beijing's urban sub-center, the establishment of Xiong'an New Area, the promotion of Beijing-Tianjin-Hebei integration, the implementation of rural revitalization strategy? A strategic arrangement based on national conditions and responding to the issues of the times has become the basis for timely follow-up and high-quality implementation of the Beijing Farmers' Laboratory.
This is not only a vision, a bosom, but also a responsibility, an obligation. "Anchoring higher requirements and goals, the company has formulated the core strategy of 'focusing on the capital, closely following policies, mode transformation, product leadership', and in response to the major strategies implemented by the state, the company will be more scientific in layout, more inclined in policies, more open in cooperation, and more powerful in measures. " Li Yong, secretary of the party branch and general manager of Beijing Farmers' Share, said.
Organizational layout -- constructed to "headquarters + regional" branches as the main body, covering the suburbs of Beijing, radiation, Tianjin, Hebei and Xiongan Beijing agricultural credit guarantee network system. The top and bottom are united, and the front and back are consistent, forming a service support and management system of "six business departments in the front office and functional departments in the middle and back office".
The key policy - the establishment of agricultural circulation business department, Beijing more than 90% of the people's livelihood supply "food basket" rely on agricultural products circulation market, the consumption of agricultural products into the Beijing 300 billion yuan. In Xinfadi stationed in the market business team, in-depth industrial front line, focusing on market traders and other "food basket" security business.
Business cooperation - supply chain cooperation with leading enterprises such as Sinochem and Shounong, and co-insurance cooperation with sister companies in the Guodian system. Focusing on the overall situation, highlighting the characteristics, complementary advantages, and staggered development, we seek to maximize the overall interests and achieve a mutually beneficial ****win.
Technical measures - carry out online, batch and scenario-based approach, set up an innovative business department, co-ordinate all links in the business chain one by one, and gradually realize the interconnection of the system with the capital side and the industrial side to enhance the business response speed. At the same time, the online signing of contracts, code payment, direct connection of the bank guarantee system, and big data risk control are building the capital's financial service platform for the three rural areas.
No matter how the business is carried out and how innovative it is, Beijing Agricultural Guarantee always tightens the string of risk prevention and control. "Risk control ability is one of the core competitiveness of the guarantee company, Beijing agricultural guarantee to measure the risk of wind control of the core indicators of the annual repayment rate of less than 3% for many years." Li Yong said that under the premise of balancing business development, risk prevention and control, and sustainable operation, Beijing Agricultural Guarantee provides an effective supply for the increasingly diversified, multi-level and all-round financial needs in the capital's rural revitalization process.
Thirteen years of wind and rain, 13 years of hard work and enterprise. Beijing Farmer's Share has insisted on party building leadership, adhered to the functional positioning of quasi-public **** products, focused on the main business of supporting agriculture, and constantly focused on pooling resources, built a digital, intelligent, intensive financial technology platform, formed a wide-coverage, replicable, easy-to-promote product system, and possessed a team of professionals who understand agriculture, love the countryside, and love the farmers, adding their own colors and contributing to the capital's agriculture and rural areas. strength.
History points to the future, and looking back at history in the crucial year of the "14th Five-Year Plan" is the best gesture to embrace the future. In the beautiful scenery of the capital city, facing the rural revitalization of the era of the examination, Beijing agricultural stretcher will bear in mind the original intention, steady progress, full of deep love and responsibility, write an excellent answer to meet the party's twentieth anniversary of the triumph of the convening of the party.
ID: jrtt
Related Q&A: what is supporting agriculture doing Supporting rural work. Supporting agriculture is supporting rural work, including rural management, family planning, rural planning and construction. Poverty alleviation is to help poor villages and poor households to get rid of poverty and become rich, including specific projects to get rid of poverty, plans, implementation and other work. Because of the restriction of specialties, the competition pressure for the posts of supporting agriculture is relatively small. Supporting agriculture is mainly in the townships engaged in agriculture-related,