政策“精准滴灌”服务乡村产业振兴 “沉睡资产”变成“活资金”助农增收

Core Viewpoint - The People's Bank of China, along with the Ministry of Agriculture and Rural Affairs and the Financial Regulatory Bureau, has issued a notice to promote agricultural facility and livestock collateral financing, aiming to revitalize rural resources and support comprehensive rural revitalization efforts [1] Group 1: Agricultural Financing Innovations - Sichuan has introduced a series of new rural property financing models, including "livestock breeding facility rights registration and mortgage," issuing the first related property rights certificate in the country, transforming "sleeping assets" into "active capital" [1][4] - A livestock farmer in Sichuan successfully obtained a loan of 5 million yuan from a bank using a newly acquired property rights certificate, which allowed him to expand his breeding operations [4][6] - The property rights certificate clearly documents the information of livestock breeding facilities, addressing the issue of unclear ownership that previously hindered financing [6] Group 2: Expert Evaluation and Cost Savings - An expert evaluation team consisting of agricultural specialists, industry regulators, and financial institutions has been established to accurately assess property values, enabling banks to lend more confidently [11] - The collaboration between government and banks has led to a 1 percentage point reduction in average interest rates for agricultural loans, saving over 5 million yuan in financing costs for operating entities [11] Group 3: Expansion of Collateral Scope - The local government has expanded the range of collateral to include agricultural facilities, live livestock, and crops, establishing over 300 new credit files for agricultural operators [12] - Nearly 50 million yuan in loans have been issued to date, demonstrating the effectiveness of the new financing models [12] Group 4: Collective Forest Rights Reform - Collective forest rights reform has emerged as a key strategy for revitalizing rural resources, with "forest tickets" clarifying ownership and transforming forest land into collateralizable and transferable assets [13] - In a specific village, the issuance of 103 "forest tickets" has allowed villagers to secure loans for upgrading their homestays, addressing funding challenges [17][22] - Since the initiation of forest rights reform, the total credit for forestry-related loans has reached 1.051 billion yuan, with a nearly threefold increase in loan amounts year-on-year, benefiting over 9,000 households [24]