中新网兰州2月28日电 (王牧雨)昔日农牧民口中"家财万贯，带毛的不算"的无奈，正在成为历史。28 日，记者从中国人民银行甘肃省分行了解到，该行联合多部门印发《关于推广农业设施和畜禽活体抵押 融资 助力全省农业农村现代化建设的通知》(以下简称《通知》)，旨在通过一揽子创新举措，让"沉 睡"的温室大棚和圈舍里的活畜变成可用于融资的"有效资产"。 图为甘肃平凉崆峒区农户正在给"红牛"喂食。(资料图)李亚龙 摄 长期以来，由于农业设施确权难、畜禽活体价值评估缺乏标准且存在死亡风险，这两类资产在传统金融 体系中长期被排斥在合格抵押物之外。甘肃泾牛牧业有限公司负责人王超对此深有感触："以前想贷 款，圈里的牛再壮实，银行不认，我们也只能干着急。" 此次《通知》的印发，正是瞄准了这一制约甘肃"牛羊菜果薯药粮种"八大特色产业发展的融资堵点。新 政最核心的突破，在于从制度层面为农业设施和畜禽活体"赋权"。 根据《通知》要求，甘肃将对权属清晰、符合规划的温室大棚、养殖圈舍等设施依法进行确权登记。同 时，针对活体资产流动性大的特点，创新性引入科技手段，大力推广电子耳标、智能项圈等识别技术。 这意味着，每一头作为抵押物的牛、羊都将拥 ...

Core Viewpoint - The new policy from the central bank and agricultural authorities aims to alleviate financing difficulties for pig farmers by allowing them to use livestock and farming facilities as collateral for loans, transforming previously "dead assets" into "liquid funds" [1][2][3] Group 1: Financing Solutions - The new policy addresses the long-standing issue of financing difficulties in the pig farming industry, enabling farmers to secure loans against their livestock and facilities [1] - Farmers can now leverage standardized pig houses and smart feeding lines as collateral, which were previously considered "soft assets" by banks [1] - The policy aims to provide a systematic solution to the challenges of obtaining loans, especially during periods of low pig prices when cash flow is tight [1] Group 2: Asset Valuation and Digital Management - A standardized asset evaluation system will be established, allowing banks to assess the value of livestock and facilities based on contracts, historical price data, and cost lists, ensuring fair pricing for farmers [2] - Digital management platforms will be created to monitor livestock and facilities, assigning unique QR codes to each pig house and batch of pigs, which will help mitigate risks of asset loss and mismanagement [2] - The use of IoT technology and video monitoring will enable banks to remotely verify the status of collateral, enhancing the security of loans [2] Group 3: Risk Mitigation Strategies - The policy introduces a comprehensive risk management framework that includes insurance, guarantees, and asset circulation to encourage banks to lend and farmers to borrow [3] - By promoting an "agricultural insurance + financing" model, farmers can secure loans more easily and at lower interest rates after insuring their livestock [3] - The establishment of quick asset disposal channels through rural property trading platforms will allow banks to recover funds in case of repayment difficulties, reducing their risk exposure [3] Group 4: Industry Impact - The new policy is expected to significantly benefit the pig farming industry by enabling farmers to access necessary funds for upgrading facilities, expanding operations, and improving efficiency [3] - It emphasizes support for large-scale farming and agricultural clusters, directing financial resources to responsible farmers rather than speculative capital [3] - The policy aims to help farmers navigate the cyclical nature of the industry, allowing them to secure financing during downturns and capitalize on profitable opportunities when market conditions improve [3]

Core Viewpoint - The recent policy by the People's Bank of China and other authorities to allow livestock and agricultural facilities as collateral for loans aims to unlock the financial potential of rural assets, addressing long-standing financing challenges in agriculture [1][8]. Group 1: Policy Changes - The People's Bank of China, Ministry of Agriculture and Rural Affairs, and National Financial Regulatory Administration issued a notice to promote the use of agricultural facilities and livestock as legal collateral for loans [1][8]. - The policy aims to resolve issues related to the difficulty of asset valuation and the lack of liquidity in rural financing [8][16]. Group 2: Case Study - Livestock Financing - In Mengcheng County, Anhui Province, a cattle farm successfully obtained a loan of 2 million yuan by using livestock as collateral, a process previously deemed impossible [1][5]. - The local bank introduced an "insurance + credit" model, allowing farmers to use livestock insurance as collateral, thus reducing financing difficulties [5][7]. - The bank provided loans totaling 35 million yuan to approximately 35 livestock farmers in Mengcheng County, demonstrating the effectiveness of the new financing model [7][12]. Group 3: Challenges in Agricultural Financing - Traditional financing methods for agriculture have been limited, relying on credit loans and government guarantees, which are not sustainable for new agricultural entities [4][8]. - The risk associated with livestock financing, such as disease outbreaks, has made banks hesitant to accept live animals as collateral [4][8]. Group 4: Technological Innovations - The new policy encourages the use of digital technologies like electronic ear tags and biometric identification to establish ownership and value for livestock, addressing the challenges of asset identification and valuation [8][16]. - A comprehensive system combining technology and regulation is proposed to facilitate the identification, tracking, and risk management of agricultural assets [13][16]. Group 5: Case Study - Flower Farming Financing - In Kunming, Yunnan Province, flower farmers face high costs for greenhouse construction, which cannot be used as collateral due to lack of ownership documentation [9][10]. - Local financial institutions have begun to accept land use rights and attached structures as collateral, enabling flower farmers to secure loans [14][15]. - By 2025, the Kunming Rural Credit Cooperative provided 717 million yuan in loans to flower farmers, showcasing the potential of the new financing model [14][16].

Core Viewpoint - The People's Bank of China, along with the Ministry of Agriculture and Rural Affairs and the Financial Regulatory Administration, has issued a notice to promote financing through collateral of agricultural facilities and live livestock, aiming to revitalize rural resources and support comprehensive rural revitalization [1] Group 1 - The initiative aims to broaden the range of collateral in agriculture and rural areas, thereby activating dormant rural assets [1] - Sichuan province has introduced innovative financing models such as "livestock breeding facility rights registration and mortgage," issuing the first related real estate certificate in the country [1] - This move is expected to transform "sleeping assets" in rural areas into active capital [1]

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 notification to promote collateral financing for agricultural facilities and live poultry, emphasizing the importance of clear ownership and high investment value in these assets [1][2]. Group 1: Financing and Collateral - The notification highlights the need to focus on high-value agricultural facilities and clearly owned live poultry for collateral financing [1]. - It encourages the establishment of assessment institutions and management systems to evaluate the value of agricultural facilities and live poultry [1]. - A unified registration and public disclosure system for movable collateral financing is recommended to standardize the registration and inquiry processes [1]. Group 2: Risk Management and Support - The notification calls for the improvement of collateral disposal mechanisms and the exploration of a multi-level interconnected rural property trading platform [2]. - It emphasizes the need for policy incentives and financing support to encourage financial institutions to increase collateral loans for agricultural facilities and live poultry [2]. - The notification suggests the use of various monetary and credit policies to guide and incentivize financial institutions in expanding their loan offerings [2].

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].

Core Viewpoint - The People's Bank of China, along with the Ministry of Agriculture and Rural Affairs and the Financial Regulatory Administration, has issued a notification to promote the use of agricultural facilities and livestock as collateral for financing, aiming to enhance the value of these assets and broaden financing options in rural areas [1][2]. Group 1: Promotion of Collateral Financing - The notification encourages financial institutions to explore the "agricultural insurance + financing" model and to issue special financial bonds for agriculture [1]. - It emphasizes the importance of agricultural facilities and livestock as significant assets for agricultural operators, with substantial potential for value development [1]. - The focus is on high-value investment areas and clear ownership of livestock, particularly in urban outskirts and regions with concentrated agricultural facilities [1]. Group 2: Standardization and Digital Management - The notification calls for the standardization of collateral registration for agricultural facilities and livestock, including the establishment of a value assessment system [2]. - It encourages the development of a digital management platform for collateral, assigning unique QR codes to assets for better tracking and management [2]. - The aim is to ensure clear ownership and security of collateralized assets through digital integration with rural revitalization platforms [2]. Group 3: Financial Product Innovation - Financial institutions are encouraged to create tailored credit products for agricultural facilities and livestock collateral [2]. - The notification supports the issuance of special financial bonds for agriculture by qualified financial institutions [2]. - It promotes innovative models such as linking financial leasing companies with agricultural facilities and livestock as eligible leasing assets [2].

Core Viewpoint - The People's Bank of China (PBOC) has issued a notification to promote agricultural facility and livestock collateral financing, aiming to enhance rural revitalization and broaden the scope of agricultural collateral [1][2]. Group 1: Notification Details - The notification emphasizes the importance of agricultural facility and livestock collateral financing, focusing on high-value agricultural facilities and clearly owned livestock [1]. - It proposes the establishment of a standardized management system and risk prevention mechanisms for collateral financing, including the use of digital technologies like electronic ear tags and biometric identification [1][2]. - The notification encourages the development of a collateral registration model tailored to local conditions, promoting the use of the PBOC's unified registration system for movable property [2]. Group 2: Financial Innovation and Support - Financial institutions are encouraged to innovate financial products and services, exploring models that combine agricultural insurance with financing [2]. - The notification calls for the establishment of a multi-level rural property transaction platform to improve the disposal mechanism for collateral assets and broaden monetization channels [2]. - It highlights the need for policy incentives and financing support to encourage financial institutions to increase loans for agricultural facilities and livestock collateral [2]. Group 3: Future Steps - The PBOC plans to strengthen collaboration with the Ministry of Agriculture and Rural Affairs and financial regulatory authorities to summarize best practices and continuously improve support systems for collateral financing [3].

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 collateral financing for agricultural facilities and live poultry, emphasizing the need for a structured management system and risk prevention mechanisms [1][2]. Group 1: Promotion of Collateral Financing - The notice highlights the importance of focusing on high-value agricultural facilities and clearly owned live poultry for collateral financing [1]. - It encourages the use of digital technologies such as electronic ear tags and biometric identification to enhance the management of collateral [1]. Group 2: Establishing Management Systems - A systematic approach for the registration of agricultural facilities and live poultry as collateral is to be developed, including processes for declaration, investigation, verification, and public disclosure [1]. - The establishment of assessment institutions and personnel for evaluating the value of agricultural facilities and live poultry is encouraged [1]. Group 3: Registration and Digital Management - The notice calls for the improvement of collateral registration models and the creation of a list of collateral items tailored to local conditions [2]. - Financial institutions are encouraged to innovate financial products and services, exploring models that combine agricultural insurance with financing [1][2]. Group 4: Risk Management and Policy Support - A mechanism for credit risk sharing and monitoring is to be established, along with innovative guarantee service paths to expand insurance coverage [1][2]. - The notice emphasizes the need for policy incentives and financing support to encourage financial institutions to increase the issuance of loans secured by agricultural facilities and live poultry [2].

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 collateral financing for agricultural facilities and live poultry, emphasizing the need for a structured management system and risk prevention mechanisms [1][2]. Group 1: Financing Mechanisms - The notice highlights the importance of focusing on high-value agricultural facilities and clearly owned live poultry for collateral financing, aiming to establish a standardized management system [1]. - It encourages the use of digital technologies such as electronic ear tags and biometric identification to assess the value of agricultural facilities and live poultry [1]. - Financial institutions are urged to innovate financial products and services, exploring models like "agricultural insurance + financing" to enhance credit market services [1][2]. Group 2: Registration and Management - The notice calls for the improvement of collateral registration models and the establishment of a list of collateral assets tailored to local conditions [1]. - It supports the construction of digital management platforms for agricultural facilities and live poultry collateral, assigning unique QR codes to these assets [1]. - A unified registration and public disclosure system for movable financing through the People's Bank of China's credit center is encouraged [1]. Group 3: Policy and Support - The notice emphasizes the need for a multi-level interconnected rural property trading platform to enhance the disposal mechanism for collateral assets [2]. - It advocates for the use of monetary and credit policies to incentivize financial institutions to increase the issuance of loans secured by agricultural facilities and live poultry [2]. - The People's Bank of China plans to collaborate with relevant departments to summarize best practices and continuously improve support systems for the financing initiative [2].