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 solution to the financing difficulties faced by agricultural enterprises by allowing agricultural facilities and livestock to be used as collateral for loans, thereby supporting rural revitalization [1]. Group 1: Key Assets for Collateral - Two types of agricultural assets are now eligible for collateral: agricultural facilities and livestock, addressing the long-standing issue of insufficient collateral for loans [2]. - Agricultural facilities must meet specific criteria for ownership clarity and investment value, while livestock must have clear ownership and be identifiable through digital means [2]. Group 2: Digital Management and Verification - The notification outlines a digital approach for asset verification, including a clear registration process for agricultural facilities and the use of electronic tags and biometric identification for livestock [2][3]. - Encouragement for regions to develop digital management platforms for these assets, including unique QR codes for tracking and management [3]. Group 3: Financial Product and Service Innovation - Financial institutions are encouraged to create tailored loan products for agricultural facilities and livestock, including supply chain financing and insurance-linked financing models [4]. - The notification promotes the optimization of loan terms to align with the agricultural production cycle, ensuring that the value of collateral matches the loan amount throughout the loan period [5]. Group 4: Risk Management Enhancements - Strengthening risk management through a national agricultural credit guarantee system and improved insurance policies to cover agricultural loans [5]. - Financial institutions are advised to monitor the value of collateral and implement measures in case of asset depreciation or other risks [5]. Group 5: Asset Liquidation Channels - Clear pathways for asset liquidation in case of loan default, including the establishment of multi-level rural property trading platforms and pre-trading agreements to facilitate quick asset sales [6]. - Encouragement for financial asset management companies and agricultural enterprises to engage in the acquisition of non-performing assets [6]. Group 6: Target Beneficiaries - The new policy prioritizes regions around major cities, agricultural clusters, and large livestock counties, focusing on capable agricultural operators and medium to large agricultural enterprises [7]. - Local departments will coordinate to address implementation challenges and promote the policy through various media channels [7].