为现代设施农业注入金融活水

Core Viewpoint - Recent initiatives in multiple regions are accelerating the integrated transformation of high-standard farmland and facility agriculture, supported by financial incentives and special bond funds, to enhance modern agricultural production efficiency [1][2]. Group 1: Agricultural Facility Financing - The demand for funding for facility upgrades in agriculture is significant, necessitating the promotion of agricultural facility mortgage loan pilots to attract more financial resources [1][2]. - Agricultural facility rights certification is crucial for addressing the issue of insufficient collateral for operating entities, allowing facilities to be used as movable assets for financing [1][2]. - Innovative mortgage financing models are being developed, such as bundling large machinery and agricultural insurance policies with agricultural facilities to overcome financing limitations [2]. Group 2: Policy and Implementation Strategies - The government is encouraged to adopt a voluntary application principle for rights certification, ensuring that agricultural facilities are properly certified and benefiting the rightful owners [3]. - Establishing a provincial-level information service platform is recommended to enhance the efficiency of financial resource matching for facility agriculture [3]. - Financial institutions are urged to integrate agricultural facility mortgage loans into inclusive finance systems and optimize credit assessment mechanisms to increase loan amounts [3][4]. Group 3: Risk Management and Support Mechanisms - The establishment of a risk compensation fund for agricultural facility mortgage loans is proposed to support policy-based guarantee institutions in providing credit enhancement [4]. - A "loan immediately guaranteed" approach is suggested to reduce the requirements for counter-guarantees, ensuring smooth operations of agricultural facility mortgage loan businesses [4]. - Encouragement for financial institutions to explore circular loan business models and the application of "investment-loan linkage" in agricultural facility mortgage loans is emphasized to provide flexible and sustainable financing services [3][4].