Notice of Guangzhou Zengcheng District People's Government Office on Printing and Distributing Several Measures of Financial Support for Urban-Rural Integration Development in Zengcheng District, Guangzhou
All relevant units:
Several Measures of Financial Support for Urban-Rural Integration Development in Zengcheng District, Guangzhou has been reviewed and approved by the executive meeting of the district government (29th time of the 3rd session (2022)), and is hereby printed and distributed to you. Please organize its implementation seriously. Please report the problems encountered in the implementation process to district Financial Bureau.
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Guangzhou Zengcheng District People's government Office
July 19, 2022
(Contact: Zhong Yufei, Tel: 82753900)
Some Measures of Financial Support for Urban-rural Integration Development in Zengcheng District of Guangzhou
According to the Notice of Guangdong Provincial People's Government on Printing and Distributing the Implementation Plan of Guangdong Guangqing Junction Area in National Urban-Rural Integration Development Experimental Zone and the Notice of Guangzhou Municipal People's Government on Printing and Distributing the Implementation Plan of Guangzhou (Area) in Guangqing Junction Area in National Urban-Rural Integration Development Experimental Zone, during the pilot period from 2021 to 2025, in order to promote financial support for the integration of urban and rural development, improve the rural financial service system, strengthen the rural credit environment, facilitate the mortgage guarantee for rural property rights, strengthen financial intermediation and promote rural economic development, the following working measures are hereby formulated.
First, improve the construction of rural financial infrastructure
(1) The construction of a full coverage network of rural financial institutions supported by three levels of institutions, namely, township-level bank outlets, rural financial service stations and agricultural cash points. All financial institutions are encouraged to establish institutional outlets in rural areas, rationally adjust the layout of institutional outlets, and set up rural financial service stations in principle in combination with the needs of effectively integrating superior resources in the construction of "New Rural Demonstration Belt" in Zengcheng district. All financial institutions are supported to optimize the management of rural financial service stations, superimpose financial services such as Party building publicity, financial knowledge popularization and inclusive financial product publicity, and public service payment. According to the standards of newly-established financial service stations in Guangzhou, a one-time subsidy of 100,000-200,000 yuan from higher authorities will try to be given to institutions; an evaluation mechanism of village committees will be established, and rural financial service stations are encouraged to carry out "fixed-point fixed-time fixed-person" (three fixed) services. According to the management principle of "classification, rating and grading", and through the evaluation, spot check and verification of the village committee, the financial service station operating, being built and registered in Zhengguo, Paitan and Xiaolou township are given subsidies, with a standard of 50,000 yuan per year. (Led by: district Finance Bureau; cooperated by: departments of townships and sub-districts, financial institutions)
(2) Promote banking institutions to innovate online comprehensive service models. First, promote banking institutions to innovate credit service models for small and medium-sized enterprises and "agriculture, rural areas and farmers", and use big data and other technologies to solve problems such as "difficulty in first lending" and "difficulty in renewing loans". Urge financial institutions to optimize the extension operation procedures of inclusive small and micro-sized enterprises loans, so as to ensure that they should be extended to the fullest extent, and guide financial institutions to appropriately reduce interest rates. The second is to promote preferential benefits in rural payment industry and reduce payment service costs. Encourage banking institutions and non-bank payment institutions to provide safe and reliable online payment, mobile payment, telephone payment and other non-cash payment methods in rural areas, increase marketing subsidies and transaction fee exemptions, and enhance the user experience of mobile payment. Strengthen the application construction of mobile payment in daily scenes such as public transportation, hospitals, pharmacies, schools, enterprises, industrial parks, food markets, gas stations, places where public payment, government services, tourism, and catering are engaged, supermarkets and convenience stores in rural areas, and comprehensively improve the service availability of mobile payment in the fields of food, clothing, housing and transportation in rural areas. (Led by: Zengcheng Sub-branch of the People's Bank of China; cooperated by: departments of townships and sub-districts, financial institutions)
(3) Promote the development of mutual fund cooperation organizations. Support the development of the existing two mutual fund cooperatives, strive for favorable provincial and municipal policies, moderately relax the time limit for changing members, improve the flexibility of the development of members of mutual fund cooperatives, provide more financial and technical support for members' entrepreneurship and the development of characteristic agriculture such as local farming and planting, and promote agricultural efficiency and increase in farmers' income. Encourage agricultural leading enterprises, supply and marketing cooperatives and farmers' professional cooperative organizations to pilot the establishment of new mutual fund cooperatives. (Led by: district Finance Bureau, Cooperated by: the district Bureau of Agriculture and Rural Affairs, the Federation of Supply and Marketing Cooperatives of Zengcheng district)
(4) Increase the construction of grass-roots insurance system in villages and townships. In accordance with the principle of "government guidance, establishment of village society, underwriting and capital contribution, and sharing by all parties", a village-level grass-roots insurance assistant system is established to provide intermediary services such as insurance, claims settlement and policy publicity for rural areas, formulate and establish the operation mechanism of the insurance assistant system in rural areas in Zengcheng district, and improve the grass-roots service network of agricultural insurance. (Led by: the district Bureau of Agriculture and Rural Affairs; Cooperated by: Departments of townships and sub-districts, Insurance Institutions)
Second, facilitate the mortgage guarantee for rural property rights
(5) Make clear mortgage registration responsibilities, and broaden the scope of rural property collateral. Promote the registration, certification, mortgage registration and filing of rural assets and resources such as right of use and forest right of rural land for collective construction, and rural land contractual management rights; Innovatively carry out the pilot project of rural land management right certification and mortgage registration, record and note the lease right of rural land for collective construction, issue the certification documents of lease right of rural land for collective construction, make mortgage and pledge loans, promote equity pledge loans of reserved land, and carry out mortgage loans for biological assets such as living livestock, poultry and crops. (Led by: district Finance Bureau, Cooperated by: Zengcheng Branch of Guangzhou Planning and Natural Resources Bureau, the district Bureau of Agriculture and Rural Affairs, departments of townships and sub-districts)
(6) Establish collateral value evaluation mechanism for rural property rights. All financial institutions entrust qualified third-party evaluation agencies to evaluate the value of rural property rights, and then determine the loan amount according to the actual evaluation. (Led by: Financial Institutions)
(7) Improve the construction of rural property rights trading platform. Relying on Zengcheng Property Rights Service Transfer Management Platform (foreign-funded platform), efforts will be made to perfect trading rules, standardize property rights transfer transaction procedures, unblock mortgage disposal according to law, realize mortgage channels, facilitate information release, property rights inquiry, transaction guidance and other services, promote the information matching-up between foreign-funded platform and financial institutions, and strengthen the publicity and promotion of the platform. (Led by: the district Bureau of Agriculture and Rural Affairs, Cooperated by: Departments of townships and sub-districts)
(8) Establish risk mitigation mechanism. Incorporate the risk of rural property mortgage financing into the policy financing guarantee system, promote district-level financing guarantee companies to actively look for agricultural mortgage financing projects, open up green channels, carry out policy-based financing guarantee business, promote government resources to strengthen guarantee and credit enhancement support for "agriculture, rural areas and farmers", and promote rural property mortgage financing to be included in the scope of special funds for risk compensation at provincial and municipal level. (Led by: district Finance Bureau, Cooperated by: Guangzhou Nanyueguo Investment and Financing Guarantee Co., Ltd.; various banking institutions)
Third, establish a diversified financing mechanism to promote financial intermediation
(9) Support the construction of major projects of urban-rural integration. Establish a multi-channel fund-raising mechanism, encourage and guide social funds to invest in the construction of major projects in rural revitalization, beautiful countryside and village-level industrial parks, and guide banking institutions to innovate financial products according to the features and cycle of key project funds to meet project financing needs. Guide and encourage state-owned enterprises, high-quality park operators, financial institutions and investment institutions to focus on the construction of new rural demonstration belts and village-level industrial parks in Zengcheng district by setting up special private equity funds, issuing bonds and other financial instruments.
1. Establish an expert consultation mechanism for major project financing. Establish an investment and financing expert database for major projects at the district level, and recruit investment and financing experts from various financial institutions and investment institutions to provide all-round project investment and financing consulting services such as financing models, financial instruments and low-cost funds for projects, and support the construction of major projects for the transformation of rural revitalization, beautiful countryside and village-level industrial parks in Zengcheng district. (Led by: the district Finance Bureau)
2. Improve the financing matching-up mechanism for major projects. Provide all-round and normal matching-up channels between the capital needs of major projects in rural revitalization, beautiful countryside and village-level industrial parks and the financing information of financial institutions, promote the information interconnection between major projects and financial institutions in Zengcheng district, solve the project capital needs, and accelerate the project construction. Encourage state-owned enterprises to support the construction of key projects in Zengcheng district by issuing letters of guarantee, optimize the ecological environment of the financial credit system of engineering projects, reduce the financial costs of project participants, prevent and resolve engineering risks, and ensure engineering quality and safety. (Led by: the district Finance Bureau)
3. Support social capital investment. State-owned enterprises, as the main body of construction, guide social institutions and capital to participate in major projects of rural revitalization, beautiful countryside and village-level industrial parks in Zengcheng district through equity participation. Government funds can give direct investment, or support investment institutions to participate in the construction of major projects for the renovation of rural revitalization, beautiful countryside and village-level industrial parks in Zengcheng district. For private equity investment institutions and venture capital institutions investing in major projects of rural revitalization, beautiful countryside and village-level industrial parks in Zengcheng district, district-level government funds shall follow up according to no more than 50% of the total investment of major investment projects, and the investment of district-level government funds or state-owned investors shall not become the largest shareholders in principle. District-level government funds provide convenience for investment, yet do not participate in investment dividends, so as to benefit social investors of major projects. The investment of the above-mentioned district-level government funds is not included in the performance appraisal of district State-owned Assets Department. (Led by: the district Bureau of Industry and Commerce, the district Bureau of Agriculture and Rural Affairs, the district State-owned Assets Administration)
(10) Increase credit support. Guide bank credit funds to tilt towards "agriculture, rural areas and farmers", increase the proportion of medium and long-term loans, support the construction of major urban-rural integration development projects, and establish an evaluation mechanism for credit funds to support urban-rural integration development. (Led by: Zengcheng Sub-branch of the People's Bank of China, Cooperated by: various banking institutions)
(11) Encourage and guide social capital to support the integration of urban and rural development. Give play to the role of Zengcheng District to promote high-quality economic development guidance fund, rural revitalization fund and other government guidance funds, and guide social capital to support the construction of high-quality urban-rural integration development projects; Introduce high-quality venture capital funds and equity investment funds, guide funds to invest in small and medium-sized enterprises, "agriculture, rural areas and farmers", and promote the transformation of scientific and technological achievements into rural areas. Set up special funds to support district-level investment enterprises, and reward eligible private equity investment funds or venture capital funds within the budget quota of a fiscal year in Zengcheng district according to the application time.
1. Incentives for investing in enterprises in this area. For every 100 million yuan of accumulated investment actually invested by private equity investment funds or venture capital funds operating in compliance in the current year in non-listed enterprises in Zengcheng district (excluding the investment amount of the government-guided funds or state-owned assets), and the investment period is more than one year, the private equity investment fund or venture capital fund will be given a one-time reward of 1 million yuan, and the maximum reward amount will not exceed 10 million yuan. (Led by: the district Finance Bureau)
2. Reward for economic contribution to Zengcheng district. Private equity investment funds or venture capital funds operating in compliance with regulations with a total profit of more than 10 million yuan in the current year shall be rewarded according to 50% of their contribution to local economic development in the current year (except the government guidance fund or state-owned capital contribution), and the maximum single reward shall not exceed 10 million yuan. For institutions or natural person limited partners of private equity investment funds or venture capital fund limited partnerships that meet the above conditions, their investment income such as "interest, dividends and bonus" and income from "equity transfer" shall be rewarded according to 50% of their local economic contribution in the current year, and the maximum single reward shall not exceed 10 million yuan. (Led by: the district Finance Bureau)
(12) Promote the direct financing of agricultural enterprises through listing and listing. Establish an expert review and guidance mechanism and a listed enterprise library management system, strengthen the cultivation and guidance of qualified agricultural enterprises, encourage them to issue and list on domestic and overseas stock exchanges, and guide high-growth and innovative enterprises that do not have the listing conditions to list for trading and financing development in the share transfer system of national small and medium-sized enterprise and Guangdong Equity Exchange Center. Subsidies and rewards shall be given in accordance with the Measures for Accelerating the Listing of Enterprises in Zengcheng District. (Led by: the district Finance Bureau, Cooperated by: Departments of townships and sub-districts)
(13) Bonds, REITs and other financing means will be taken to support the development of urban-rural integration projects. For projects that meet the conditions for issuing bonds, more supports will be given for major projects such as agricultural and rural infrastructure construction, villages in cities renovation, village-level industrial park renovation and beautiful countryside by issuing local government special bonds. (Led by: the district Finance Bureau, Cooperated by: district Development and Reform Bureau, departments of townships and sub-districts) Support qualified enterprises to issue corporate credit bonds such as corporate bonds for typical projects of urban-rural integration development, and broaden financing channels by using asset securitization and real estate investment trusts (REITs) in infrastructure sector. (Led by: the district Finance Bureau)
(14) Promote the cooperation between government and banks, and increase trust for small and medium-sized enterprises and financing for agriculture, rural areas and farmers. Improve the ability of district-level policy financing guarantee companies to serve "agriculture, rural areas and farmers" and urban-rural integration development projects. Promote in-depth cooperation between banks and policy financing guarantee companies, and continue to provide financing and credit enhancement services for urban-rural integration development by subsidizing financing guarantee fees and sharing financing risks by the government.
The local financial department will arrange funds to set up a special district-level financing guarantee subsidy, and gives a reward of 100,000 yuan to the financing guarantee institutions newly registered and established in Zengcheng district and carrying out guarantee business; Small and micro-sized enterprises and farmers registered in Zengcheng district guaranteed by policy financing guarantee companies will be given a guarantee fee subsidy of not more than 1.5% of the guarantee amount (settled annually), with a maximum of 200,000 yuan per enterprise and farmer per year. During the period from January 1, 2021 to December 31, 2025, the incentives and subsidies for newly registered financing guarantee institutions and registered small and micro-sized enterprises and farmers in Zengcheng district guaranteed by policy financing guarantee companies shall be implemented in accordance with these Measures. (Led by: the district Finance Bureau, Cooperated by: various banking institutions, Nanyueguo Investment and Financing Guarantee Corporation)
Fourth, continuously optimize and improve the quality of rural financial services
(15) Innovate rural financial services and products. Encourage financial institutions in Zengcheng district to innovate financial services, products and fee exemptions service charges for "agriculture, rural areas and farmers", optimize service processes, and formulate a catalogue of loan interest rate decline in a differentiated manner. Encourage all financial institutions to actively participate in the pilot work of rural property mortgage loans, innovate and develop exclusive financial services and products for rural property mortgage loans, and increase loan support for rural production, operation entities and farmers. (Led by: Zengcheng Sub-branch of the People's Bank of China, Cooperated by: various financial institutions)
(16) Vigorously promote the agriculture-related insurance business, reduce the risk of agriculture, rural areas and farmers. Vigorously promote the policy-related agriculture insurance business, and broaden the variety number and guarantee amount of policy-related agriculture insurance. Promote the coordinated development of policy-based and commercial agricultural insurance, encourage insurance institutions to carry out agricultural insurance business, innovate and promote insurance varieties such as price insurance, output insurance and income insurance, and disperse agricultural business risks. (Led by: the district Bureau of Agriculture and Rural Affairs, district) Continue to steadily push forward the work of policy-based rural housing insurance. (Led by: the district Finance Bureau)
(17) Build "Huirongtong" industry and finance information platform, and establish a both customized and universal accurate industry and finance matching-up mechanism. Establish enterprise financing demand information database and inclusive financing product information database, classify according to enterprise equity, assets, liabilities, capital and operating conditions, and adopt accurate matching-up of "online and offline" financing information to tailor financial services for enterprises. Regularly carry out industry-finance matching-up activities to solve the problem of information asymmetry between enterprises and financial institutions. (Led by: the district Finance Bureau, Cooperated by: the district Federation of Industry and Commerce, departments of townships and sub-districts, district Inclusive Financing Promotion Association)
(18) Strengthen the popularization of financial knowledge in rural areas and enhance the financial quality of resident. By organizing financial knowledge publicity groups, using village radio station, newspapers, TV stations, radio stations, websites, WeChat official account and other media, efforts will be made to publicize basic financial knowledge, promote financial service products and provide financial service consultation in villages, so as to comprehensively enhance rural areas' awareness of financial policies, products and services, and improve their ability to prevent financial risks. (Led by: the district Finance Bureau, Cooperated by: Zengcheng Sub-branch of People's Bank of China, Publicity Department of District Committee, departments of townships and sub-district, district Inclusive Financing Promotion Association)
Fifth, strengthen the construction of rural credit environment
(18) Improve the credit information files, the establishment of agricultural business entities, white list mechanism for farmers credit. Establish and improve the inter-departmental cooperation mechanism, build the credit information collection and integration, regional sharing and interconnection mechanism of agricultural business entities and farmers, build and improve the credit rating system of agricultural business entities and farmers, and establish and improve the credit files of district-level agricultural business entities and farmers. (Led by: Zengcheng Sub-branch of the People's Bank of China, Cooperated by: departments of townships and sub-districts)
(19) Promote the linkage between credit and loan. Guide financial institutions to develop exclusive credit financial products based on agricultural business entities, farmers' credit files and platforms such as applications named "Guangdong Credit Finance", "Small and Medium-sized Finance" and "Credit Easy Loan", incite financial resources with credit, strengthen financing matching-up with agricultural business entities and farmers, and improve financing availability. (Led by: the district Finance Bureau, Cooperated by: district the Bureau of Agriculture and Rural Affairs, Zengcheng Sub-branch of People's Bank of China, departments of townships and sub-districts)
(21) Relying on the "agricultural financing" platform to strengthen rural credit construction. Collect and improve the basic information of new agricultural business entities, expand the data scale of rural credit information files on the "Nongrongtong" platform, revitalize the data deposited on the government service platform to increase the financing credit of new agricultural business entities, and promote the financing matching-up between banking institutions and agricultural business entities through the "Nongrongtong" platform. (Led by: Zengcheng Sub-branch of the People's Bank of China, Cooperated by: departments of townships and sub-districts)
Sixth, Safeguard Measures
(23) Strengthen overall coordination. The Zengcheng District Urban-Rural Integration Development Leading Group and the Rural Property Mortgage Guarantee Power Special Group comprehensively coordinate and coordinate the financial support for urban-rural integration development. Relevant work Led by regularly submit financial support for urban-rural integration development to district Development and Reform Bureau, including but not limited to work progress, problems and difficulties and the next-step plan. All relevant functional departments actively cooperate and coordinate to solve the problems encountered in the process of financial support for the integration of urban and rural development, so as to open up a green channel for the mortgage and pledge of rural property rights and simplify the work flow. (Led by: the district Finance Bureau, Cooperated by: district Finance Bureau, district Planning and Natural Resources Administration, district the Bureau of Agriculture and Rural Affairs, Zengcheng Sub-branch of People's Bank of China, departments of townships and sub-districts, and financial institutions)
(24) Increase the rectification of all kinds of rural financial chaos. Severely crack down on illegal fund-raising and other illegal financial activities in rural areas, and resolutely curb the spread of illegal fund-raising to rural areas. Timely correct the misleading sales of insurance institutions and set up obstacles to claims settlement, and guide insurance institutions to provide insurance services in accordance with laws and regulations. Reinforce the punishment for evading debts. (Led by: the district Finance Bureau, Cooperated by: the district Market Supervision Bureau, Zengcheng Branch of Municipal Public Security Bureau, Zengcheng Sub-branch of People's Bank of China, district Court, the district Bureau of Agriculture and Rural Affairs, departments of townships and sub-districts)
(25) Strengthen financial security. Coordinate the development of urban and rural social security, gradually bring rural areas into the public finance coverage system, actively strive for funds for supporting agriculture at all levels, and promote the development of Inclusive Financing. The district financial departments will arrange 25 million yuan each year to set up a special fund for financial support for urban-rural integration development. Firstly, 2 million yuan will be given to support the continuous operation of rural financial service stations; Secondly, 3 million yuan will be given for district-level financing guarantee subsidies; Thirdly, 20 million yuan will be allocated to support district-level investment enterprises. (Led by: the district Finance Bureau, Cooperated by: the district Finance Bureau, district Planning and Natural Resources Administration, district Human Resources and Social Security Bureau, district Housing and Construction Bureau, district the Bureau of Agriculture and Rural Affairs, district Science, Industry and Commerce Bureau, Zengcheng Sub-branch of the People's Bank of China, departments of townships and sub-districts)
Seventh, other matters
(27) Enterprises stipulated in these Measures are included in the list of serious untrustworthy subjects, and are restricted from applying preferential policies such as government financial support measures according to laws and regulations, and cannot enjoy the corresponding supportive policy stipulated in these Measures. The scope of the list of serious untrustworthy subjects is determined according to the list of disciplinary measures for dishonesty of the state and province.
Disclosure Method: active disclosure
（In case of any discrepancy between the English version and the Chinese version, the Chinese version shall prevail.本办法英文版本内容与中文版本不一致时，以中文版本为准。）
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