The role of agricultural financing guarantee companies

At present, with the vigorous development of new agricultural business entities, the demand for agricultural production and operation funds has increased substantially, and the demand for loans from business entities has gradually increased. However, due to the lack of effective collateral, financial institutions have concerns about loans, and commercial guarantee institutions have risks. There are still problems in rural areas, such as "difficult financing, expensive financing, low financing and slow financing". Even the problems and risks encountered in the current agricultural and rural development are still "poor money" to some extent.

The in-depth implementation of the rural revitalization strategy has significantly improved the quality and efficiency of financial services to agriculture and rural areas. Take the guarantee as an example. From May 2065438 to May 2006, the national agricultural responsibility system was established, which experienced a development process from scratch and from small to large. Its financial funds have played an effective role, actively inciting 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 easing.

Before the establishment of the national agricultural responsibility system, a number of local policy guarantee institutions were established and operated earlier, which directly provided valuable experience for the mature operation of the national agricultural responsibility system. Beijing Agricultural Financing Guarantee Co., Ltd. (hereinafter referred to as "Jingnong Responsibility") is one of them.

In March 2009, Beijing Agricultural Reclamation was established. The company always adheres to the orientation of policy guarantee and the initial intention of serving agriculture, countryside and farmers. Faced with the market situation and rural development law of "big cities and small agriculture" and "small urban areas in Beijing suburbs" in the capital, Beijing Agricultural Bank flexibly used market-oriented means to actively promote policy integration and capital accumulation. Up to now, it has served 25,300 agricultural enterprises, farmers' professional cooperatives, growers and farmers, with a total guarantee scale of 38 1.2 billion yuan, which indirectly drives about 20,000 farmers to increase their income. More than 80% of cooperatives, growers and farmers obtained credit support through farmers' commitment guarantee for the first time, which greatly eased the financing problem of agricultural moderate scale operators.

Looking back on the growth process of Agricultural Bank of Beijing, we can't help feeling that the significance of Agricultural Bank of Beijing to rural finance can't be measured only by local space. In a sense, it is like a spark, like a thunderous conversation, effectively alleviating the long-standing problem of "difficult and expensive financing" in agriculture and rural areas. But because of its low profile, its contribution is lost in the bustling depths of Beijing; Because of its generosity, people are used to its contribution.

Be a farmer first, and be a farmer in the regiment. Zhang Guoping, chairman of the Agricultural Bank of Beijing, said: "Under the correct leadership of the Party and the government, the Agricultural Bank of Beijing adheres to the management mode of policy capital, corporate management and market operation, constantly strengthens the contact with farmers, improves the service function for farmers, and improves the level of rural financial services, and is committed to becoming the leader of inclusive finance and the capital of agriculture, rural areas and farmers."

The original intention of its establishment is to guide financial running water to solve the problem of "difficult and expensive financing"

In the courtyard of Xingnong Tian Li Agricultural Machinery Cooperative in Qiansangyuan Village, Zhaoquanying Town, Shunyi District, Beijing suburb, rows of harvesters, tractors and seeders are ready to go. Chen Ling, chairman of the cooperative, is full of confidence and ready to take them to the "main battlefield" of spring ploughing.

In Chen Ling's view, the success of cooperatives is inseparable from the "timely rain" brought by Beijing Land Reclamation. Agricultural machinery industry is a "capital-intensive" industry, with tens of millions and millions of yuan for an agricultural machinery and two or three million yuan for a large feed harvester. "It is definitely not enough to rely solely on the contributions of cooperative members. It is necessary to borrow money from the bank. However, due to the general lack of collateral in cooperatives, banks do not lend. " At the beginning of starting a business, Chen Ling encountered problems that were common in rural areas at that time.

In times of difficulty, Beijing single farmers lend a helping hand in time, which provides agricultural guarantee for Chen Ling's cooperation.

Xingnong Tian Li Cooperative started with a few small tractors, and now it is a national model cooperative for farmers, with hundreds of advanced agricultural machinery and tens of thousands of acres of land, with an annual income of more than 40 million yuan.

For a business entity like Chen Ling, meeting a farmer is luck. However, the establishment of Beijing Agricultural Office is not accidental, but the result of the initiative of Beijing Municipal Party Committee and 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 rural financial environment is not optimistic, the "loan-to-deposit ratio" of credit business is unbalanced, agricultural financial institutions have greatly reduced rural outlets and business scale, and the contradiction between supply and demand has become increasingly prominent, so rural financial reform has entered a critical period.

According to a bank executive in Beijing, the low cost performance of rural credit business leads to the deviation of commercial banks' views on rural finance, which are often regarded as "burden" and "short board" rather than "wealth" and "potential".

So is the capital, and so are other regions. The difference is that the rural financial demand in Beijing is relatively strong, which provides favorable conditions for financial innovation to some extent. Whether Beijing can become the "flagship" to break the ice, open the frozen rural financial market and drive it at a new historical starting point is worth looking forward to.

Where is the starting point? Although the problem of "financing is difficult and expensive" is relatively concentrated, it is a subject of the development of the times and a realistic problem. Therefore, more feasible system design is needed to accumulate the vitality of rural development.

The innovation and exploration of mechanism can not be separated from long-term practice. After repeatedly comparing the advantages and disadvantages of guarantee and mortgage, in 2008, in order to establish and improve the rural financial service system in the capital and guide financial institutions and social capital to invest in agriculture, rural areas and farmers, the Beijing Municipal Party Committee and Municipal Government funded the establishment of a "trinity" investment and financing platform for agricultural investment, agricultural guarantee and agricultural fund. As an authorized agency of the government, the Capital Group is responsible for the establishment of Beijing Agricultural Investment Co., Ltd.

Subsequently, the Agricultural Bank of Beijing was established with an initial registered capital of more than 500 million yuan. It has become the earlier provincial policy agricultural guarantee company and the first batch of specialized agricultural guarantee institutions in China. The positioning of Beijing Agricultural Bank is "the capital of inclusive finance and the leader of agriculture, countryside and farmers". Its goal is to solve the problems of "difficult, expensive and troublesome financing" in the financing field of agriculture, rural areas and farmers, and focus on solving the pain points of "agriculture, rural areas and farmers" such as collateral and lack of credit system.

In 20 19, under the leadership of Beijing Municipal Finance Bureau, Beijing Agricultural and Rural Bureau and Beijing Banking Supervision Branch jointly established Beijing Agricultural Credit Guarantee Steering Committee to guide the construction of municipal agricultural credit guarantee system and strengthen standardized management in business guidance, supporting policies, industry supervision and performance appraisal. Since then, farmers in Beijing have started driving.

Entered the "fast lane" of development.

Since its establishment more than ten years ago, Agricultural Bank of Beijing, as the only state-owned policy guarantee institution in the city, has focused on serving the capital "agriculture, countryside and farmers". Its guarantee business is closely linked with the agricultural policies of China and Beijing. The agricultural insurance network has covered all agriculture-related areas in the suburbs of Beijing, and cooperated with more than 30 financial institutions in Beijing to solve the problem of "difficult and expensive financing" to the greatest extent. Not only has it become the largest shareholder of the National Agricultural Bank Alliance Company, but it has also become the long-term main credit rating AA of the capital market in the city.

Turning over the picture of history, after 13 years of four seasons, Beijing's innovative measures and determination at that time finally took the Agricultural Bank of Beijing as the carrier, showing a vibrant new atmosphere of rural finance in the capital.

Innovating service, creating grasping hands and promoting the development of agriculture and rural areas in the capital.

In Jinluoluo Village, Xiwangzhuang Town, Miyun District, 70 kilometers away from the city, Liang Qing, the founder of "Old Friends Season", tells the story of Shan Nong in Beijing.

"B&B can be old, but not bad. A century-old house must also have floor heating and a bathroom. The experience of boutique B&B to customers must be compared with the high-end hotels in the city. " The realization of dreams requires a lot of real money. What about the 3 million funding gap? This embarrassed Liang Qing.

"My friend helped me solve a part of it, but the initial investment was large, the effect was slow, and it took a long time to return to the book. This is the characteristic of being a homestay. " Liang Qing said, "At this critical moment, Beijing agricultural bears appeared. After understanding my ideas, Beijing Shannong felt that this project was very innovative and promising, so he increased my credit guarantee and won me a bank loan of 2.4 million yuan, which completely solved the funding gap problem. "

Li Xiaodong, president of Miyun Sub-branch of Beijing Agricultural Bank, said: "The agricultural guarantee service for customers depends on things and people. At the beginning, we were willing to guarantee Liang Qing, not only because the projects she did were in line with the relevant policies of agriculture and rural areas, but also because she devoted herself to her career and had responsibilities and feelings for the countryside and farmers. "

In 20 17, the "old friend season" B&B officially opened, and the high-quality accommodation and dining environment soon became the benchmark of Beijing boutique B&B. With the support of the Agricultural Bank of Beijing, Luo Jincun successively launched a new rural development model of "ecological agriculture+boutique homestay+nature education", which not only realized the diversified growth of farmers' income, but also promoted the integration of urban and rural factors.

B&B, the season of old friends, is an outstanding representative of Beijing's support for villagers' hostels in the suburbs of Beijing, with a distinct background of the times and far-reaching comprehensive considerations behind it.

When the pointer is set back to 20 14, Beijing suburban tourism has a good development opportunity, but it also faces many problems such as overall upgrading, upgrading, improving service level and reception capacity. The key to solve these problems in development is to strengthen capital investment. The government soon realized that it was far from meeting the needs of tourism development in the suburbs of Beijing to rely solely on direct government investment or employees' own investment.

As a result, Beijing has set up a tourism financing guarantee fund in the suburbs of Beijing. Later, after bidding, Beijing Agricultural Bank became the fund operator, responsible for fund custody and daily operation. According to statistics, by the end of April, 2023, Beijing Agricultural Bank had supported 2,420 tourism projects in the suburbs of Beijing, and the scale of secured loans exceeded 3.2 billion yuan, covering various types such as folk households, homestays, picking gardens and scenic spots in the suburbs of Beijing. These projects are all over the suburbs of Beijing. Calculated by 654.38 billion yuan of custody funds, the cumulative guarantee magnification is more than 30 times, which greatly reflects the policy orientation and guarantee magnification of custody funds.

Faced with the impact of the epidemic, the Agricultural Bank of Beijing actively launched "B&B emergency insurance" and other financial services, which made useful explorations for cultural tourism enterprises in the city in terms of epidemic prevention and control, and resumption of work and production.

Not only the tourism in the suburbs of Beijing, but also the Agricultural Bank of Beijing focuses on the characteristic agricultural fields of the capital, such as efficient facility agriculture, agricultural science and technology, leisure agriculture and so on. , gather resources, produce fission, from shallow to deep, from point to surface, make precise efforts and strengthen policy support services. The fist product "excellent agricultural loan" brand has now covered the whole agricultural industry chain such as agricultural planting and breeding, agricultural product circulation, scientific and technological agriculture and new agricultural formats; Watermelon loan, chestnut loan, chestnut mushroom loan and poultry loan insurance cultivated and bred around the characteristics of the capital are being carried out in all directions around the supply chain guarantee service of the capital headquarters economy.

Walk with the times, be concentric with customers and synchronize with partners. Beijing Agricultural Bear, which broke through single-handedly, never fought alone, but actively innovated the business model of "silver bear" and "political silver bear", enhanced understanding in communication, expanded exchanges in cooperation, strengthened innovative services from the institutional mechanism level, and built a financial ecosystem in which "political silver bear" jointly supported agriculture.

On the government side, Beijing Agricultural Bank has a registered capital of165438+36 million yuan, and has signed guarantee fund custody agreements with relevant departments of the Municipal Bureau of Culture and Tourism, Pinggu District and Daxing District. At present, the scale of custody operation guarantee funds exceeds 200 million yuan. In terms of banks, by the end of April 2023, there were 23 banks agreed by Beijing Agricultural Bank, with a total credit line of 654.38+05.35 billion yuan. The basic information of customers can be exchanged and shared by both parties.

Qiu Yan, assistant general manager of Agricultural Bank of Beijing, said: "Behind all the innovations and changes of Agricultural Bank of Beijing, it is the result of joint efforts of government departments, financial institutions and other parties, with new thinking, methods and means."

Successful transformation and continuous improvement of rural financial services.

At a certain stage, it often needs to undergo major changes before it can move to a higher level. This kind of "nirvana _ rebirth" seems to be a necessary process for a market subject to mature, and it is also a law extracted from the heavy accumulation of the market, and Jingnong Xiong is no exception.

Beijing's agricultural burden should be generated, adjusted, developed and influenced by policies. Different from most other provinces, Beijing Agricultural Bank was established earlier than the National Agricultural Bank System established in 20 16. If before 20 17, ABC was calm and smooth, then with the substantial adjustment of agricultural credit guarantee policy in 20 17, it also experienced a Gu Feng fluctuation.

2065438+May 2007, "Cainong No.40 Document" requires strict definition of policy business standards and implementation of "double control" standards. The amount of guarantee that meets the standard of "double control" shall not be less than 70% of the total amount of guarantee. Adhere to the policy orientation and ensure that agricultural credit guarantee is for agriculture, benefiting farmers and not leaving agriculture.

Strict regulations must be strictly enforced. This also means that ABC must steadily withdraw from the original large-scale agricultural projects, resolutely withdraw from the previous stock of non-agricultural projects, and steadily adjust its business structure under the premise of controlling risks.

In addition, in the financial market at that time, due to the mixed business entities of the guarantee industry, some guarantee entities in the market were constantly in danger, and even appeared to spin up and disappear, and people gathered and dispersed.

The change of macro policy, the strengthening of micro-industry constraints and norms are intertwined with their persistent thinking habits, and Beijing Agricultural Bank is confused and at a loss about the future direction. What should we do in the face of difficulties and twists and turns, should we take off or hesitate?

"There are dangers in the road, and the walker knows it." Faced with all kinds of risk tests, ABC has gone through detours and detours, but it has never stopped exploring. They firmly believe that as long as it is handled properly, it can successfully transform and accelerate development, and there must be no situation of "turning around for a long time" and "turning around quickly".

On the one hand, strengthen political construction, take theoretical study as the "first topic" and achieve "organization, management and tracking"; On the other hand, look for the answer to the question in the practice of the grassroots front line.

When employees heard the news, they spared no effort to go to the countryside for in-depth research and frequent interaction with their peers. Ask farmers in need, listen to their voices and understand their choices; Ask the bank to find out their wishes and grasp their preferences.

For a time, employees of Agricultural Bank of Beijing in idolize, a remote mountainous area near Cenzhong, a suburb of Beijing, sweated in front of farmers' farmland houses month by month, drawing lessons from exploration and summing up experience in practice, which not only inspired emotional strength, gained momentum for progress, but also gave rational enlightenment and made clear the direction of efforts.

After the transformation of management mode and development mode, the business level of Beijing Agricultural Bank has not regressed, but its service consciousness has become stronger and it has gained a broader development stage.

Beijing Gongdeli Flour Factory located in Fangshan District is a small flour processing enterprise with a daily production capacity of less than 500 tons. As a living security enterprise in Fangshan District, Gong Kuanbing, a legal person, urgently needs funds to expand reproduction. In 2020, at a production and marketing meeting held by Fangshan District Agriculture and Rural Bureau, project manager Zhou Pei met Gong Kuanbing. After understanding his difficulties, he helped him raise 1 10,000 yuan in the bank in the shortest time, and increased it to 2 million yuan in the next year.

"I didn't care too much at first, but later I dealt with single farmers and found that they really did practical things, solved problems and did good things for customers." Gong Kuanping's "farmer's burden" is the Jingxi business department of Jingnong's burden represented by Zhou Pei. Under the guidance of Shan Nong, Gong Kuanping learned how to deal with banks, how to weigh the benefits of funds, and how to care about the cost of loans.

"Discovery is not equal to understanding, and understanding is not equal to recognition. Service is difficult and sustainability is even more difficult. " Zhou Pei said that in the hard work of farmers, it slowly took root in the hearts of farmers. The two sides trusted each other and were inseparable, which not only achieved their respective careers, but also warmed each other's lives.

Years of practice have shown that for the vast number of agricultural operators, Beijing's agricultural burden has not only brought them rich funds, but also updated financial concepts, increased development opportunities, and awakened market awareness such as equality, competition, efficiency, rules and the rule of law?

"As an explorer and practitioner of specialized agricultural undertaking institutions, Beijing Agricultural Undertaking Company has played a great role in promoting the construction of rural financial service system in the capital by continuously improving the institutional mechanism and network layout; On the other hand, through continuous practice and innovation, we have accumulated rich experience and formed a relatively complete agricultural loan guarantee product system, which provides a typical demonstration for the member institutions in the system to learn from. " Yang Chunguang, deputy general manager of National Agricultural Credit Guarantee Alliance Co., Ltd. said.

Follow up in time and actively plan and implement major national strategic deployment.

"122 mu of land has not changed in nature and ownership. Only the land management right and the above-ground attachments were mortgaged, and a loan guarantee of 1 10,000 yuan was obtained. " Beijing and the Municipal Rural Property Rights Exchange jointly launched the rural contracted land management right mortgage financing product "agricultural rights protection", which enabled Zhang, a villager in Xiaoying Village, Daxing District, to sign the first order of Qingyun Ecological Agriculture Sightseeing Park.

According to reports, "agricultural rights protection" is a guaranteed financing product that uses the management right of rural contracted land as collateral, promotes credit with policy guarantee, integrates the supporting support of urban two-level agricultural policies, and solves the financing difficulties of "agriculture, rural areas and farmers" in the suburbs of Beijing. Product design pays more attention to the business expectation and solvency of the financing subject, weakens the requirements for collateral, and reasonably improves the loan mortgage rate.

In addition to taking the lead in reform and innovation, it is more important to implement policies. Since the Ministry of Agriculture and Rural Affairs issued the requirement of "credit through train", the required actions of Beijing Agricultural Bank have not changed, and the optional actions can also shine brilliantly. On the basis of the direct marketing mode of "business entities directly declare demand, Agricultural Bank of China provides guarantee and bank credit support", Agricultural Bank of Beijing launched the exclusive guarantee product "New Agricultural Insurance" for the "New Agricultural Insurance Through Train" activity, which clarified the product content from the aspects of business model, operation process and requirements, provided business operation specifications for the activity, and completed the application, signing, withholding guarantee fee, lending and repayment online, greatly shortening the operation time. Agricultural Bank of Beijing is also a company that realized the "credit through train" activity earlier in the national agricultural banking system and lent more than 1 100 million yuan.

Starting with the most difficult problems in rural reform, starting with the business that the business entities are most looking forward to, and starting with the major strategies formulated by the state and the capital. According to this principle, farmers in Beijing should grasp the big and release the small, and at the same time implement the small.

"The company's business closely follows the national strategic layout, where the national policy points, and where the service for agriculture follows." Duan Qi, executive deputy general manager of Hebei Xiong 'an Branch, said that the company was registered last year and started to work in the local area this year, and will conduct business with the guiding ideology of "industry+region".

Build a Beijing city sub-center, set up a xiong'an new area, promote the integration of Beijing, Tianjin and Hebei, and implement the rural revitalization strategy? A series of strategic arrangements based on national conditions and coping with the issues of the times have become the basis for timely follow-up and high-quality implementation of Beijing Agricultural Bank.

This is not only a vision, a mind, but also a responsibility and an obligation. "Anchoring higher requirements and goals, the company has formulated the core strategy of' focusing on capital, keeping up with policies, transforming models and guiding products'. In response to the major strategies implemented by the state, the company will have a more scientific layout, more inclined policies, more open cooperation and more powerful measures. " Li Yong, secretary and general manager of the Party branch of Agricultural Bank of Beijing, said.

Organizational layout-Beijing agricultural credit guarantee network system with "headquarters+region" branches as the main body, covering the suburbs of Beijing and radiating Tianjin, Hebei and Xiong 'an. With one heart and one mind, it has formed a service support and management system of "six business departments at the front desk+functional departments covering the middle and back office".

The key policy-the establishment of agricultural circulation department, more than 90% of the people's livelihood supply "vegetable basket" in Beijing depends on the agricultural product circulation market, and Beijing's agricultural product consumption is 300 billion yuan. In Xinfadi, enter the market business team, go deep into the front line of the industry, and focus on the "vegetable basket" guarantee business such as market merchants.

Business cooperation-supply chain cooperation with leading enterprises such as Sinochem and Shounong, and joint guarantee cooperation with China Insurance System Brothers. Focus on the overall situation, highlight the characteristics, complement each other's advantages, and develop alternately to maximize the overall interests and achieve mutual benefit and win-win results.

Technical measures-develop online, batch and scenario models, set up an innovation business department, make overall plans to connect all links in the business chain one by one, and gradually realize the system interconnection with the capital side and the industry side to improve the business response speed. At the same time, online contract signing, code scanning payment, direct connection of banking system and big data risk control are building service platforms for the capital, agriculture, rural areas and inclusive finance.

No matter how the business is carried out and how it is innovated, ABC has always tightened the string of risk prevention and control. "Risk control ability is one of the core competitiveness of guarantee companies. Payout ratio, the core indicator of Beijing Agricultural Bank to measure risk control, has been below 3% for many years. " Li Yong said that under the premise of giving consideration to business development, risk prevention and sustainable management, the Agricultural Bank of Beijing will provide effective supply for the increasingly diversified, multi-level and all-round financial needs in the process of revitalizing the rural areas in the capital.

13 years of hard work, 13 years of hard work. The Agricultural Bank of Beijing adheres to the guidance of Party building, adheres to the functional orientation of quasi-public products, focuses on the main business of supporting agriculture, continuously concentrates resources, builds a digital, intelligent and intensive financial technology platform, forms a product system with wide coverage, replicability and easy popularization, and has a professional team that understands agriculture, loves the countryside and loves farmers, adding its own color and contributing to the agricultural and rural areas of the capital.

History points to the future. 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, in the face of the examination questions of the times of rural revitalization, Beijing Agricultural Bank will keep in mind its initial intention, strive for progress steadily, be full of affection and responsibility, and write excellent answer sheets to welcome the convening of the 20th National Congress of the Communist Party of China.

ID:jrtt

Related questions and answers: What is supporting agriculture and rural work? Supporting agriculture means supporting rural work, including rural management, family planning and rural planning and construction. Poverty alleviation is to help poor villages and poor households get rid of poverty and become rich, including specific poverty alleviation projects, plans and implementation. Because of the limitation of specialty, the competitive pressure of supporting agriculture posts is relatively small. Agriculture is mainly engaged in agriculture in villages and towns,