Zhao Zhao, deputy to the National People's Congress: To solve the problem of "long-term agricultural loans and short loans," we still need state policy guidance, so that banks dare to lend and are willing to lend

From 2004 to 2021, the state issued the Central Document No. 1 with the theme of "three rural areas" (agriculture, rural areas, peasants) for 18 consecutive years, emphasizing the status of the "three rural areas" as the "most important" in the period of China's socialist modernization.

Every year, the state's newly issued Central Document No. 1 has become the direction that leads Zhao Zhao's continuous progress. As a post-80s entrepreneurial youth, Zhao Zhao returned to his hometown fengzhuang village in Taishan Miao Township, Nanzhao County, after graduating from university, raised cattle, transferred 1200 acres of land, combined planting and breeding, and led more than 500 local families to raise cattle and grow feed... Since 2008, she has helped more than 200 poor households get rid of poverty and become rich through various forms such as employment assistance, financial assistance and technical assistance.

"The content of the No. 1 document covers the aspects of promoting agricultural income, improving comprehensive agricultural production capacity, comprehensively deepening rural reform, and accelerating agricultural modernization, which shows that the central government shows the central government's strong support for agriculture from all angles." Zhao Zhao said that on the basis of the First Document, governments at all levels will introduce relevant supporting policies every year, and the financial support for agriculture will also increase significantly year by year. Especially since the poverty alleviation, with the implementation of the rural revitalization strategy, the attention of governments at all levels to the "three rural areas" issue has continued to increase, especially in the 14th Five-Year Plan, once again mentioned "giving priority to the development of agriculture" and "improving the agricultural support and protection system".

However, with the strong support of policies and funds, Zhao Zhao found that agricultural development still faces many problems.

With the accelerated development of agricultural modernization, the number of new agricultural business entities in the first line of agriculture is increasing, and the main body of agricultural production has shown a "dual pattern" of coexistence of "small retail households" and new agricultural business entities. "In actual production and operation, they are all facing the problem of financing difficulties and expensive financing." Zhao Zhao said that even if these agricultural business entities can win small loans, they are still facing the problem of "short loans for long farms."

"The agricultural production cycle is long, and the bank loan cycle is short, and often the operators have not yet seen the benefits, and they have to repay the loan." Zhao Zhao explained for example that fruit tree planting takes 2 to 3 years to see the benefits, cow breeding takes about 30 months to see the benefits, the bank loan term is generally one year, after the agricultural operators take a loan, they have to repay the loan before they see the benefits, which seriously affects the normal production and operation of the producers and operators. The emergence of this phenomenon, especially for a large number of large farmers and breeders in rural areas, has become a catastrophic problem that seriously restricts agricultural development.

Zhao Zhao believes that although agriculture itself has a long cycle, low efficiency and great risk, and belongs to the customer group that loan units dare not lend and are unwilling to lend, it is also these "small units and large group strength" that are planting and raising large households, which are essentially an important cornerstone to support the development of a region and an industry. ”

In the 2021 Central Document No. 1, it is clearly emphasized that we must adhere to the purpose of serving agriculture and continue to deepen rural financial reform. Support cities and counties in building a database of agriculture-related credit information shared within the region, and basically build a relatively complete credit system for new agricultural business entities in 3 years. Encourage the development of exclusive financial products to support new agricultural business entities and new rural industries and new formats, and increase the number of first loans and credit loans. Strengthen the quantitative assessment of the magnification of agricultural credit guarantees, and increase the scale of agricultural credit guarantees.

Zhao Zhao suggested that relevant units should issue operable guidance or action plans as soon as possible, optimize the deployment of grass-roots financial institutions, and appropriately extend the loan cycle for local major products and characteristic agriculture according to the characteristics of the agricultural industry.

Henan Youth Times

Reporter Zhang Zhiyu provided a picture of the interviewee

Edited by Lei Zhang

Proofread by Yang Yang

Reviewed by Tian Zhen