Heilongjiang increase credit loans to support the 56 billion to ensure that 3.8 million farmers

The face of international financial crisis and the impact of rural credit cooperatives in the province of Heilongjiang to further increase the effective input credit, the loan program running pure 56 billion yuan, an increase of 100 billion yuan, up 21.7%; one of pure running agricultural loans 47 billion yuan, an increase of 8.6 billion, an increase of 22.4%. Supporting this year to ensure that the loans of more than 3.8 million households, to meet the credit needs of farmers and effective rate of more than 95%, agriculture loans put the total implementation, coverage, benefit from the new breakthroughs in the noodle.

Investment credit, this year the focus will highlight the eight. First, focus on helping farmers solve the seeds, fertilizers, pesticides, plastic sheeting and other agricultural means of production of the necessary funds. Supported are the focus of two large-scale pig, milk (Yellow) cattle breeding, animal husbandry and accelerating large-scale, standardized, intensive, to provide credit support. Three efforts are to improve the structure of agricultural equipment, agricultural machinery and equipment to promote the rapid increase in the level. Supported are four key types of leading enterprises, trade associations, type, agent-based cooperative economic organizations take the lead. Payment of five individuals are the focus of small consumer loans and housing mortgage loans and other personal comprehensive consumer credit, to support the self-built housing, as well as peasant cottage clay transformation, with the appliance, automotive rural areas to support the purchase of consumer durable goods, such as farmers. Are plans to put six of migrant workers to return 1.5 billion start-up loans, will open this year in support of migrant workers back to start-up loans, "green channel" to provide timely, efficient and convenient financial services. Plans to invest 1.5 billion loan to support rural youth, women, people with wealth, as well as cities and towns to increase re-employment of laid-off workers. Seven student loans are paid 3 billion to support poor students in rural schools; 2 delivery training loans billion skills and improve the quality of farmers; delivery infrastructure and public welfare type of loan 5 billion, to improve the living conditions of peasant production. Eight small and medium-sized loans are invested four billion yuan.

Service on the agriculture, implement the eight measures. First, agricultural credit to small clients, from traditional farming families and extended to farmers engaged in major breeding, industrial scale operation run by families. Two are from the traditional planting and breeding industry to explore the processing, transportation, business and agriculture before, during, post-natal services provided by the field of production and circulation. Third, credit to farmers and to implement the dynamic management of credit, agricultural credit to small farmers from the highest credit limits one million, and gradually increased to 3-5 million, the highest credit limits up to 100,000 yuan. Four agricultural loans are loans extended under farmers use, production and operation activity cycle and a reasonable ability to repay General determined that plant-year permit to use the loan industry, aquaculture loans up to the maximum period of 3-5 years. Friday the province this year are the average interest rate loans to farmers at interest rates based on the cut last year, 0.5-1 percentage points. Farmers are actively promoting the six loans, "one card pass" actively explore "leading enterprises + farmers", "Cooperation Organization + farmers", "major market + farmers", "professional association + farmers" and so on. Seven is to streamline the loan process, in line with the conditions for certification of farmer credit, the implementation of Customer Manager system farmers. Eight micro-agricultural credit are the full implementation of "One five open supervision" of the "sunshine to do loan" system.

Preparation of spring in support of production, and fully meet the effective demand of funds. Up to now, the province issued a total of 13.4 billion agricultural credit spring preparation, accounting for the amount of loans increased by 93 percent, increase over the same period last year invested 20 billion, loans of more than 160 farmers 10,000. At the same time, the implementation of farmers loans "one-stop" services, prepared at the peak of spring farmers loans to increase lending counter, to ensure that the loans in time, and full payment in place, prepared to meet funding needs of spring.