大棚、牛羊都能当抵押物贷款了！三部门力挺乡村振兴

Core Viewpoint - The recent notification from the People's Bank of China, Ministry of Agriculture and Rural Affairs, and Financial Regulatory Bureau introduces a targeted solution to address the financing difficulties faced by agricultural enterprises by allowing agricultural facilities and livestock to be used as collateral for loans [3][4]. Group 1: Collateralization of Agricultural Assets - The new policy allows agricultural facilities and livestock to be used as collateral, addressing the long-standing issue of insufficient qualified collateral for agricultural loans [4]. - Two main types of assets are emphasized for collateralization: agricultural facilities with high investment value and livestock with clear ownership [4]. Group 2: Digitalization and Asset Registration - The notification outlines a registration process for collateral assets, incorporating digital solutions to streamline the process [4]. - For agricultural facilities, a clear ownership registration process will be established, including the issuance of property certificates [4]. - Livestock will utilize digital technologies such as electronic ear tags and biometric identification to create dynamic electronic records and digital identities for precise and traceable ownership [4]. Group 3: Financial Product and Service Innovation - Financial institutions are encouraged to develop tailored financing products based on agricultural facilities and livestock collateral [6]. - The policy promotes the exploration of supply chain finance models to support small farmers and cooperatives through accounts receivable pledges and order financing [6]. - A "insurance + financing" model is suggested to integrate agricultural insurance into credit evaluation and risk management [6]. Group 4: Risk Management Enhancements - The notification emphasizes strengthening risk management through a national agricultural credit guarantee system and innovative insurance products [7]. - Financial institutions are advised to monitor the value of collateral and take necessary actions in case of depreciation or other risks [7]. - The use of technologies such as IoT and blockchain is encouraged to enhance asset management capabilities [7]. Group 5: Asset Liquidation Channels - Clear pathways for asset liquidation in case of loan defaults are established, including multi-level rural property trading platforms [8]. - The policy encourages local auctions and pre-trading agreements to facilitate quicker asset disposal [8]. - Financial asset management companies and agricultural enterprises are invited to participate in the acquisition of non-performing assets [8]. Group 6: Target Beneficiaries - The policy prioritizes regions around major cities, agricultural clusters, and large livestock farming counties for the implementation of collateral financing [9]. - Local departments will coordinate to address challenges in policy execution and promote successful case studies through various media channels [9].