省农信联社：深入贯彻乡村振兴战略 创新推出“高标准农田建设贷”

Core Insights - The "High Standard Farmland Construction Loan" has been recognized as a typical case and product in the "Good Financial - Inclusive Finance" category, reflecting its alignment with rural revitalization strategies and financial support for agriculture [1][4] - The loan product is designed to address the financing needs of various agricultural entities, including farmers, family farms, cooperatives, and agricultural enterprises, facilitating the construction and improvement of high-standard farmland [1][2] Loan Features - The loan is aimed at financing a wide range of agricultural infrastructure projects, including land remediation, irrigation, drainage, and soil improvement activities [1][2] - Loan amounts are determined based on the borrower's credit status and project costs, generally not exceeding 70% of the total investment [1][2] - The loan terms are flexible, based on the borrower's credit status, loan purpose, repayment ability, and project duration [2] Financial Support Mechanisms - The loan offers various collateral options, including credit, guarantees, and pledges, with encouragement for using family loans and policy guarantees for individual borrowers [2] - A government subsidy of 1% on the loan amount is provided, with a maximum subsidy of 2 million yuan per project, applicable for up to three years [2][3] Impact on Agriculture - As of the end of 2024, the loan program has supported 356 agricultural entities with a total of 460 million yuan, enhancing the financial services available for high-standard farmland construction [2] - The loan product aims to alleviate financing difficulties for agricultural operators by allowing the use of large agricultural machinery and land use rights as collateral, thus activating previously dormant assets [3] - The initiative is expected to lower financing costs for agricultural entities and promote high-quality development in the agricultural sector [3][4]