多模式推动“乡村产业振兴共同发展计划”见成效 访中国人民银行安徽省分行副行长黄敏

Core Insights - The "Rural Industry Revitalization Joint Development Plan" in Anhui Province has signed agreements with 261 banks, providing loans to 4,630 agricultural entities totaling 16.685 billion yuan, with 1,178 loans amounting to 3.538 billion yuan issued through supply chain finance [1] - The plan aims to enhance communication and collaboration between financial institutions and agricultural entities, addressing the challenges of financing in the agricultural sector [1][4] Background and Significance - The plan is rooted in national strategies and the specific realities of Anhui Province, responding to the need for agricultural modernization and addressing issues such as financing difficulties and the low integration of agricultural industries [2][3] - The plan aligns with the central government's emphasis on rural revitalization as a key focus of agricultural work, aiming for prosperous industries and improved living standards [2] Key Issues Addressed - The plan targets three main issues: mismatched supply and demand in agricultural finance, high financing costs, and structural weaknesses in the agricultural industry [4][6] - It seeks to provide long-term financial support to agricultural entities, overcoming the short-term nature of traditional credit [4][5] Financial Support Mechanisms - The plan introduces three core mechanisms: deep binding between banks and agriculture, dynamic balance of risks and returns, and collaborative supply chain finance [4] - It aims to create a financial service model that promotes the upgrading of characteristic industries and enhances farmers' income [4][6] Specific Financial Models - The plan has developed several replicable financial support models, including: - Co-binding model: Establishing long-term cooperative relationships between banks and agricultural entities through strategic agreements [7] - Floating pricing model: Implementing a risk-sharing and benefit-sharing mechanism based on the agricultural lifecycle [7][8] - Full-chain extension model: Extending financial support across the entire agricultural supply chain, leveraging core enterprises [8] - Policy coordination model: Integrating monetary, fiscal, and industrial policies to enhance financial resource allocation to agriculture [8]