In recent years, Juxian has seized the opportunity of being included in the "Coverage of Policies Related to the Province's Financial-Financial Cooperation to Support Rural Revitalization", innovated institutional mechanisms, played a good "fiscal + financial" combination fist, guided the joint action of banking, insurance, guarantee and fund, played the role of financial funds "four or two thousand pounds", leveraged financial capital and industrial and commercial capital to go to the countryside to support the rural revitalization strategy, and built a diversified investment pattern of fiscal priority guarantee, financial focus tilt, and social active participation, in order to stimulate the vitality of market players. Promoting rural revitalization provides a strong guarantee.
Skillfully use financial funds to leverage power and inject "source living water" into rural revitalization.
The "Measures for supporting the revitalization of rural industries in Juxian County" were promulgated, industrial revitalization and development funds were set up, and projects such as pastoral complexes, characteristic towns, boutique homestays, and agricultural modern industrial parks were rewarded and supported, and rural revitalization projects with an annual actual investment of more than 100 million yuan in industrial and commercial capital were rewarded according to the proportion of 1% of the actual new investment amount. At present, it has cultivated 58 leading agricultural enterprises at or above the municipal level, 88 demonstration cooperatives, and 71 demonstration family farms, 428 cooperatives led by party organizations, and 134 agricultural socialization service organizations. Increase the support of "government-bank-guarantee" loans, carry out premium subsidies, over-indemnity risk compensation and loan principal loss compensation for the "government-bank-guarantee" loan guarantee insurance business, effectively alleviate the problem of difficult and expensive loans for enterprises, and in the past two years, a total of 138,000 yuan of financial funds have been allocated, and 10.05 million yuan of loans have been leveraged.
The implementation of the rural revitalization strategy is inseparable from the input of real money and silver. Juxian County has deeply promoted the overall planning and integration of agriculture-related funds, and brought into play the efficiency of the use of financial funds. Formulate the "Implementation Opinions on Promoting the Overall Planning and Integration of Agriculture-related Funds", set up a "capital pool" for rural revitalization, and incorporate all funds in agricultural infrastructure construction and production development, rural infrastructure construction and ecological environmental protection into the "capital pool", forming "multiple channels to divert water, one pond to store water, and one tap to produce water", to achieve from "pepper noodles" to "shaking fingers into fists", so that financial funds can be invested more accurately and efficiently, and a total of 750 million yuan of agriculture-related funds have been integrated since this year.
Juxian County finance contributed 10 million yuan to set up a three-in-one risk compensation fund for mortgage loans for operating rights, equity pledge loans and agricultural credit guarantees. It is clarified that the losses caused by the loans of agricultural business entities shall be borne by the guarantee company, the county finance and the cooperative bank in accordance with the ratio of 6:2:2. The risk compensation fund implements "entrusted management, special account storage, special account accounting, and special funds", and is replenished in a timely manner every year according to the use of the risk compensation fund.
Innovate the supply of inclusive finance, and financial empowerment for rural revitalization.
Based on the advantages of Juxian Agricultural County, increase the support for agricultural products with characteristic advantages, especially give key support to the "one town and one industry" projects such as Xiaodian Green Asparagus, Kushan Danshen, Guozhuang Nectarine, etc., and innovate the "Greenhouse Loan", which is directly guaranteed by family members to reduce the difficulty of farmers' loans, and the loan funds are mainly used for the construction of facilities and greenhouses and daily planting, with a total of 77 households and an amount of 5.8 million yuan. Innovative selection of silkworm and tea two local characteristics of agricultural products, selected as provincial characteristic agricultural products insurance to award instead of supplementary projects. At present, the insurance types basically cover the main agricultural products, and in 2020, the policy-based agricultural insurance finance will bear the premium of 28.28 million yuan, the amount of risk protection will reach 660 million yuan, and the leverage of financial funds will exceed 23 times. Juxian strives to become a pilot county for expanding agricultural catastrophe insurance and a pilot county for full cost insurance.
In view of the problem of "difficult financing and expensive financing" for agriculture-related business entities, implement "agricultural parks + finance", continue to increase financial support for new agricultural business entities such as leading agricultural enterprises and modern agricultural demonstration zones in the county, accelerate the pilot work of new rural cooperative finance, jointly explore policy-based agricultural credit guarantee models with provincial agricultural companies and financial institutions, and innovate and launch "Lu Dan Hui Agricultural Loans" to provide services for new agricultural business entities such as family farms, large farmers, and farmers' professional cooperatives. Guide financial living water precision irrigation of new agricultural business entities. Up to now, a total of 691 million yuan of loans have been issued, and more than 14 million yuan of credit has been granted to family farms, farmers' professional cooperatives, large farmers and other groups, benefiting 752 business entities, effectively solving the problem of "difficult and expensive financing" in agricultural development.
Give full play to the guiding role of the financial discount on entrepreneurial guarantee loans, and give full discounts to eligible individual entrepreneurial guarantee loans during the epidemic period, so as to promote migrant workers to return to their hometowns to start businesses. In 2020, 1.37 billion yuan of guaranteed loans for entrepreneurship were issued, of which 1.09 billion yuan was issued to 7,034 rural self-employed farmers, accounting for 80% of the total loans.
Enhance the guarantee of financing services, and promote the supply-side market guarantee checks and balances.
Strengthen the "credit enhancement" of financing guarantees, maximize the role of financing guarantee companies, continue to increase financial subsidies, and allocate a total of 367,000 yuan of fee reduction subsidies and compensatory compensation funds for Juchang Changcheng Financing Guarantee Co., Ltd., reducing the financing guarantee costs of small and micro enterprises. Promote the "policy guarantee company + bank" government credit enhancement business, since 2020, a total of 77.62 million yuan of financing guarantees for small and medium-sized enterprises, and 1.25 million yuan for natural persons, effectively solve the financing problems of agriculture-related enterprises, and use the financing guarantee funds on the blade of rural revitalization.
Vigorously implement the "credit extension" of the whole village, implement the "rural revitalization civilized credit" project, carry out the work of granting credit and using credit for the whole village, evaluate civilized credit users, credit villages, and credit townships, give play to the financing function of credit information services for rural economic entities, and provide credit loan support for eligible peasant households.
Revitalize the "three capitals" and "pledges" in rural areas, carry out pilot projects of equity pledge loans for rural collective assets and mortgage loans for the right to operate contracted land, and increase innovation in terms of loan interest rates, terms, quotas, and risk control. When it is necessary to realize the pledge, the financial institution may dispose of the equity of the collective asset or the mortgaged right to operate the contracted land in various ways, and the proceeds are used to repay the debts of the creditors. A total of 20 equity pledge loans of 5.61 million yuan have been completed, and 3 mortgages of land operation rights have been mortgaged for 10.5 million yuan. (Reporting by Dazhong Daily client reporter Wu Baoshu Li Shenghao, correspondent Li Ying, He Xiaolei)