Reporter Wang Jingjing.
The development of characteristic industries is an important way to achieve rural revitalization. To focus on doing a good job in the 'native products' article and promoting the comprehensive revitalization of the countryside with industrial revitalization, we need important financial guarantees and strong support. Tu Yingqing, a professor at the Party School of the Jiangxi Provincial Committee of the Communist Party of China, said in an interview with a reporter from the China Economic Times a few days ago that it is necessary to strengthen the innovation of rural financial services, continuously improve the ability and effect of financial services, and provide strong support for the revitalization of rural industries.
Accurate portrait of agriculture-related subjects.
Innovating and optimizing financial products and reducing financing costs are important goals of rural financial development.
Tu Yingqing said that for a long time, whether it is individual farmers or village collective organizations, farmers do not have a strong awareness of the importance of their own credit. Due to credit asymmetry, it is sometimes not easy for financial institutions to lend money to find farmers who are genuinely willing to develop their industries. In order to ensure the safety of credit funds, many banking institutions generally require additional collateral guarantees for financial products. This form of mortgage guarantee has undoubtedly raised the capital entry threshold for asset-light small farmers who want to truly develop the industry, resulting in excessively high financing costs and restricting the development of rural industries.
Financial institutions can develop financial products that support the development of characteristic industries through financial innovation, accurately profile agriculture-related entities. Tu Yingqing suggested that "one township, one industry, one village, one product" can be highlighted around local key industries and traditional characteristic industries, and relevant local departments should be united to carry out industrial combing, and digital means should be used to accurately profile the big data of agriculture-related subjects, and dynamically adjust their star ratings and pre-credit lines according to changes in credit and production and operation, so as to form an industrial service plan. In response to the industrial financing needs of agriculture-related entities in the industrial chain, scenario-based development of guaranteed loan products, the establishment of online and offline pure credit product systems, improve the convenience of financing, and reduce financing costs. Through the "five-chain synergy" of innovation chain, industrial chain, value chain, digital chain and financial chain, we will help rural industries transform from "small, weak and scattered" to "specialized, refined and deep".
Precision drip irrigation key areas.
Characteristic industries are the key sectors to achieve rural revitalization, and the key to promoting farmers' income and stabilizing agricultural development.
Tu Yingqing believes that in the development of the financial services industry, due to the objective conditions such as the dispersion of demand subjects, the low degree of market development and the relatively low level of informatization, there is an information asymmetry between financial institutions and rural business entities, resulting in a mismatch between rural financial supply and demand in some areas. "If this basic problem is not well solved, it will in turn affect the confidence of financial institutions in serving rural revitalization. ”
How to achieve information symmetry?Tu Yingqing believes that it is necessary to speed up the construction of information service platforms and fill the "last mile" to the information island. Establish "industrial files" for farmers and new agricultural business entities in need, so that with the support of inclusive business of financial institutions, the development of rural characteristic industries can obtain periodic and regional capital scheduling, and the pain points of information asymmetry restricting industrial development will be gradually solved. Rural finance empowers rural revitalization, with a large amount of services, a wide range of agricultural business entities, and a small amount of agricultural business entities, the support of capital needs for rural industries should be orderly and focused, and precise drip irrigation should be carried out in key areas, so as to introduce financial "living water" into the fields, enhance the sense of financial access of rural inclusive groups, promote a more reasonable allocation of financial resources to industrial revitalization, and promote financial support for rural industries to upgrade and upgrade.
Precise and innovative service methods.
In recent years, traditional financial services have faced difficulties in their quest for growth and profitability. Continuous innovation, adaptation to change, and strengthening risk management have become the keys to the survival and development of traditional finance.
Tu Yingqing said that traditional rural finance looks at rural areas from the perspective of financial institutions, focuses on its own development, emphasizes the economic attributes of finance, and focuses on "gold". Rural finance looks at finance from the rural areas, focuses on the development and progress of rural society, and emphasizes the social function of finance, focusing on "finance".
The development of rural industries in the new era has undergone new changes in the demand for finance, not only emphasizing the external performance and carrying form of 'gold', but also paying more attention to the internal requirements and fundamental methods of 'finance'. Tu Yingqing believes that with the rapid development of the Internet, big data, artificial intelligence and other technologies, science and technology will be integrated into finance, and financial services will be embedded in various scenarios of rural industries, changing the form of financial existence and improving financial service capabilities, such as building ecological scenarios such as "from base to table" characteristic vegetable industry chain and "from a grass to a cup of milk".Integrate micro-circulation, provide customized financial support services in product design, service model, professional team, etc., give full play to the multiplier effect of finance, and further improve the accuracy and effectiveness of serving rural industries. Finance is not only a resource, but also a factor to promote rural development, through the hand of finance to integrate the development of rural industries such as land, talent, capital, technology, data and other production factors, activate the rural factor market, promote the efficient and accurate matching of supply and demand, so that the value of factors can be fully stimulated, and the total factor productivity of rural areas should be improved.