11 counties and districts in Anhui promote "two rights" mortgage loan pilot

On March 1, the Anhui Province Two Rights (Rural Contracted Land Management Rights and Farmers’ Housing Property Rights) mortgage loan pilot promotion meeting was held in Hefei, which also marked the official launch of the Anhui Two Rights mortgage loan pilot work. The difficulty of financing agriculture, rural areas and farmers, the high cost of financing, and the outflow of rural capital have always been major problems restricting rural economic and social development. In particular, in recent years, the scale of rural land transfer has continued to expand, and agricultural management methods have changed to intensive management, which has put forward higher requirements for rural financial services.
The dual-rights mortgage loan pilot is an important innovation in the rural financial system. It is conducive to revitalizing existing rural assets, broadening rural financing channels, and promoting the concentration of financial resources in rural areas. It is conducive to promoting the optimal allocation of rural land resources, promoting agricultural scale operations, and thus Fundamentally improve agricultural production efficiency and form an important joint point for the positive interactive development of rural economy and rural finance.
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It has always been difficult for farmers to obtain loans from financial institutions due to lack of collateral. However, as the rural contracted land management rights and rural housing property rights mortgage loan pilots are fully rolled out in Anhui, industry insiders point out that the rural small-amount loan dual-rights mortgage loan model will usher in a new situation.
At present, Anhui Province’s Suzhou City Yongqiao District, Jinzhai County, Tongling County, Lujiang County, Fuyang City Yingquan District, Huangshan District, Huangshan City, Dingyuan County, Woyang County, Susong County, Fengtai The county and Xuanzhou District of Xuancheng City have been successfully approved as national dual-rights pilot areas.
Liu Xingya, leader of the Anhui Provincial Two-rights Mortgage Pilot Steering Group and President of the Hefei Central Branch of the People's Bank of China, pointed out at the meeting that the two-rights mortgage loan pilot must resolutely maintain the nature of public ownership of land and maintain the red line of cultivated land. The bottom line is that farmers’ interests are not harmed.