《關于金融服務鄉村振興的指導意見》
來源：未知 日期：2019-02-13 點擊：次
實施鄉(xiang)村(cun)(cun)振(zhen)(zhen)興戰(zhan)略，是(shi)以習近平同志為核心的黨中央作(zuo)出(chu)的重大部署(shu)，是(shi)新時(shi)代做好(hao)“三(san)農”工作(zuo)的總抓手，是(shi)金融(rong)(rong)系統開展農村(cun)(cun)金融(rong)(rong)服務工作(zuo)的根本遵(zun)循(xun)。按(an)照《中共中央 國(guo)務院關于實施鄉(xiang)村(cun)(cun)振(zhen)(zhen)興戰(zhan)略的意見(jian)》和《鄉(xiang)村(cun)(cun)振(zhen)(zhen)興戰(zhan)略規劃（2018—2022年）》有關要求，現就做好(hao)金融(rong)(rong)服務鄉(xiang)村(cun)(cun)振(zhen)(zhen)興工作(zuo)提出(chu)如下意見(jian)：
一、總(zong)體要求、目(mu)標和原(yuan)則(ze)
（一(yi)）總體要求。
以習近平新(xin)時代中國特色(se)社會主(zhu)義思想(xiang)為指導(dao)(dao)，緊緊圍繞(rao)黨的十九大關于實施鄉村振興(xing)戰略的總(zong)體部署，按(an)照產業(ye)興(xing)旺、生(sheng)態宜居、鄉風文明、治理(li)有效、生(sheng)活富裕的總(zong)要求，堅持(chi)目標導(dao)(dao)向和問題導(dao)(dao)向相結(jie)合(he)、市(shi)場運作和政(zheng)策(ce)支持(chi)相結(jie)合(he)，聚(ju)焦重點(dian)領域(yu)，深化改革創新(xin)，建(jian)立完(wan)(wan)善金(jin)融(rong)服務鄉村振興(xing)的市(shi)場體系(xi)、組(zu)織體系(xi)、產品(pin)體系(xi)，完(wan)(wan)善農村金(jin)融(rong)資源回流機制，把更多(duo)金(jin)融(rong)資源配(pei)置到農村重點(dian)領域(yu)和薄弱環節，更好滿足鄉村振興(xing)多(duo)樣化、多(duo)層次的金(jin)融(rong)需(xu)求，推動城(cheng)鄉融(rong)合(he)發展。
（二）工(gong)作目標(biao)。
到2020年，金融服務鄉村振(zhen)興(xing)實現以下目標(biao)：
金(jin)融精(jing)準扶貧力度(du)(du)不斷加大。2020年(nian)以前(qian)，鄉村(cun)振興的重(zhong)點(dian)就是脫(tuo)貧攻堅(jian)。涉農銀行業(ye)金(jin)融機構在(zai)貧困地(di)區(qu)要優先滿足精(jing)準扶貧信貸(dai)需求。新增(zeng)(zeng)金(jin)融資源(yuan)要向深(shen)度(du)(du)貧困地(di)區(qu)傾斜，深(shen)度(du)(du)貧困地(di)區(qu)貸(dai)款(kuan)增(zeng)(zeng)速(su)力爭(zheng)每年(nian)高(gao)于(yu)所(suo)在(zai)省(sheng)（區(qu)、市(shi)(shi)）貸(dai)款(kuan)平均增(zeng)(zeng)速(su)，力爭(zheng)每年(nian)深(shen)度(du)(du)貧困地(di)區(qu)扶貧再(zai)貸(dai)款(kuan)占所(suo)在(zai)省(sheng)（區(qu)、市(shi)(shi)）的比(bi)重(zhong)高(gao)于(yu)上年(nian)同期水平。
金融支農(nong)資源不斷增(zeng)加(jia)。涉農(nong)銀行業金融機構(gou)涉農(nong)貸款余額高于(yu)上年，農(nong)戶貸款和新型農(nong)業經營(ying)主體貸款保持(chi)較快增(zeng)速。債券、股票(piao)等(deng)資本市場服務“三農(nong)”水(shui)平(ping)持(chi)續提升。農(nong)業保險險種(zhong)持(chi)續增(zeng)加(jia)，覆蓋面有效提升。
農村(cun)(cun)金融(rong)服(fu)務(wu)持續改(gai)善(shan)。基本實現(xian)鄉鎮金融(rong)機(ji)構(gou)網點全覆蓋，數字(zi)普惠金融(rong)在農村(cun)(cun)得到有效普及(ji)(ji)。農村(cun)(cun)支付服(fu)務(wu)環境持續改(gai)善(shan)，銀行卡助農取款服(fu)務(wu)實現(xian)可持續發展，移動支付等新(xin)興支付方式在農村(cun)(cun)地區得到普及(ji)(ji)應用(yong)。農村(cun)(cun)信用(yong)體系建設持續推(tui)進，農戶及(ji)(ji)新(xin)型(xing)農業經營主(zhu)體的融(rong)資增信機(ji)制顯著改(gai)善(shan)。
涉(she)(she)農(nong)(nong)金(jin)融機(ji)構(gou)(gou)公司治理和支農(nong)(nong)能力明(ming)顯提升。涉(she)(she)農(nong)(nong)金(jin)融機(ji)構(gou)(gou)差別化定價能力不斷增強，農(nong)(nong)村(cun)金(jin)融產(chan)品和服(fu)務(wu)創(chuang)新(xin)加(jia)快推(tui)進(jin)，涉(she)(she)農(nong)(nong)貸(dai)款(kuan)風險(xian)管理持(chi)續(xu)改進(jin)，確保涉(she)(she)農(nong)(nong)不良貸(dai)款(kuan)水平穩定在可(ke)控范(fan)圍，縣域法人金(jin)融機(ji)構(gou)(gou)商業可(ke)持(chi)續(xu)性明(ming)顯改善，金(jin)融服(fu)務(wu)鄉村(cun)振興能力和水平持(chi)續(xu)提升。
中(zhong)長期目(mu)標，到2035年(nian)，基(ji)本建立多層次(ci)、廣(guang)覆(fu)蓋、可持續、適度(du)競爭、有序創新、風險可控的現代農(nong)村(cun)金(jin)(jin)融(rong)體系，金(jin)(jin)融(rong)服務能力和水平顯著提升(sheng)，農(nong)業(ye)農(nong)村(cun)發展的金(jin)(jin)融(rong)需求得到有效滿足；到2050年(nian)，現代農(nong)村(cun)金(jin)(jin)融(rong)組(zu)織(zhi)體系、政策體系、產品(pin)體系全(quan)面建立，城鄉金(jin)(jin)融(rong)資源配置合理(li)有序，城鄉金(jin)(jin)融(rong)服務均等化全(quan)面實現。
（三）基(ji)本原則(ze)。
以市場(chang)化運(yun)作為導向(xiang)。尊重市場(chang)規律，充分發揮(hui)市場(chang)機制在農村(cun)金融資(zi)源配(pei)置和(he)定價(jia)中的決定性作用，通過(guo)運(yun)用低成(cheng)本(ben)資(zi)金、增(zeng)加(jia)增(zeng)信措施等(deng)引導涉農貸款成(cheng)本(ben)下(xia)行，推(tui)動金融機構(gou)建立收益覆蓋成(cheng)本(ben)的市場(chang)化服(fu)務模式(shi)，增(zeng)強農村(cun)金融服(fu)務定價(jia)能力。
以(yi)機構改(gai)革(ge)為動力。持續深(shen)化全國(guo)政策(ce)性、商業性涉農(nong)(nong)金(jin)(jin)融(rong)機構改(gai)革(ge)，增強中(zhong)長期(qi)信(xin)貸投放能力和差別化服務水(shui)平(ping)。規(gui)范縣域法(fa)人(ren)金(jin)(jin)融(rong)機構公(gong)司治理(li)，促進服務當(dang)地、支(zhi)持城鄉(xiang)融(rong)合發展(zhan)，增加農(nong)(nong)村(cun)金(jin)(jin)融(rong)資(zi)源有效供給(gei)。
以(yi)政(zheng)(zheng)策(ce)扶(fu)持為(wei)引導。加大(da)貨幣政(zheng)(zheng)策(ce)支持力度，完善(shan)差異化監管，發揮(hui)財(cai)政(zheng)(zheng)資金(jin)(jin)對(dui)金(jin)(jin)融(rong)的引導和(he)撬動作用。建(jian)立健全(quan)政(zheng)(zheng)府性融(rong)資擔(dan)保(bao)和(he)風險分擔(dan)機制(zhi)，發揮(hui)農(nong)(nong)(nong)業信(xin)貸擔(dan)保(bao)體系和(he)農(nong)(nong)(nong)業保(bao)險作用，彌補(bu)農(nong)(nong)(nong)業收益低風險高、信(xin)息不對(dui)稱的短板(ban)，促進(jin)金(jin)(jin)融(rong)資源回流農(nong)(nong)(nong)村。
以防(fang)控(kong)(kong)風(feng)險(xian)(xian)為(wei)底線(xian)。金(jin)(jin)融機構要堅(jian)持信貸投放和風(feng)險(xian)(xian)防(fang)控(kong)(kong)兩手抓，探索與服(fu)務鄉村振興相(xiang)適應的(de)資(zi)本(ben)補充渠道(dao)、合理(li)回(hui)報機制(zhi)和風(feng)險(xian)(xian)資(zi)本(ben)管理(li)模式，提高法人治理(li)水平，關注貸款質量，完(wan)善市場(chang)化(hua)風(feng)險(xian)(xian)處置(zhi)機制(zhi)，增強涉農業務風(feng)險(xian)(xian)防(fang)控(kong)(kong)能(neng)力(li)，提高金(jin)(jin)融服(fu)務鄉村振興的(de)可持續性。
二、堅持農村(cun)金融(rong)改革發展(zhan)的正(zheng)確方向(xiang)，健全適合(he)鄉(xiang)村(cun)振(zhen)興發展(zhan)的金融(rong)服務組織體系
（四）鼓勵開(kai)發(fa)性(xing)、政策性(xing)金融機構(gou)在業務范(fan)圍內為鄉村振(zhen)興提供中(zhong)長(chang)期信(xin)貸支持。國家開(kai)發(fa)銀行(xing)要按(an)照開(kai)發(fa)性(xing)金融機構(gou)的(de)定(ding)位，充(chong)分利用服(fu)務國家戰略、市場運作(zuo)、保本(ben)微利的(de)優勢，加(jia)大對(dui)鄉村振(zhen)興的(de)支持力度，培育農(nong)村經濟增(zeng)長(chang)動力。農(nong)業發(fa)展銀行(xing)要堅持農(nong)業政策性(xing)銀行(xing)職能定(ding)位，提高政治站位，在糧食安全(quan)、脫貧攻堅等重(zhong)點領域和(he)關鍵薄弱(ruo)環(huan)節發(fa)揮主力和(he)骨干(gan)作(zuo)用。
（五）加大商業(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)對鄉村振興支持(chi)(chi)力度(du)。中國(guo)(guo)農(nong)(nong)業(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)要(yao)強化(hua)面(mian)向(xiang)“三農(nong)(nong)”、服(fu)務(wu)城鄉的(de)戰(zhan)略(lve)定(ding)位，進一(yi)步改(gai)革完(wan)善(shan)“三農(nong)(nong)”金(jin)融(rong)(rong)(rong)事業(ye)(ye)(ye)部(bu)體制(zhi)機制(zhi)，確(que)保(bao)縣域(yu)貸款(kuan)增(zeng)速(su)持(chi)(chi)續高(gao)于全行(xing)(xing)(xing)平均水(shui)平，積極實施互聯網金(jin)融(rong)(rong)(rong)服(fu)務(wu)“三農(nong)(nong)”工程，著力提(ti)高(gao)農(nong)(nong)村金(jin)融(rong)(rong)(rong)服(fu)務(wu)覆蓋面(mian)和信(xin)貸滲透(tou)率。中國(guo)(guo)郵政儲蓄銀(yin)(yin)行(xing)(xing)(xing)要(yao)發揮好網點(dian)網絡優勢(shi)、資(zi)金(jin)優勢(shi)和豐富的(de)小額貸款(kuan)專營經(jing)驗，堅持(chi)(chi)零售(shou)商業(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)的(de)戰(zhan)略(lve)定(ding)位，以小額貸款(kuan)、零售(shou)金(jin)融(rong)(rong)(rong)服(fu)務(wu)為抓手，突出做好鄉村振興領域(yu)中農(nong)(nong)戶、新(xin)型(xing)經(jing)營主體、中小企業(ye)(ye)(ye)、建檔立卡貧困戶等(deng)小微普惠領域(yu)的(de)金(jin)融(rong)(rong)(rong)服(fu)務(wu)，完(wan)善(shan)“三農(nong)(nong)”金(jin)融(rong)(rong)(rong)事業(ye)(ye)(ye)部(bu)運行(xing)(xing)(xing)機制(zhi)，加大對縣域(yu)地區的(de)信(xin)貸投放，逐步提(ti)高(gao)縣域(yu)存貸比(bi)并保(bao)持(chi)(chi)在(zai)合(he)理范圍內。股份(fen)制(zhi)商業(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)和城市商業(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)要(yao)結合(he)自身職能定(ding)位和業(ye)(ye)(ye)務(wu)優勢(shi)，突出重(zhong)點(dian)支持(chi)(chi)領域(yu)，圍繞提(ti)升(sheng)基礎金(jin)融(rong)(rong)(rong)服(fu)務(wu)覆蓋面(mian)、推動城鄉資(zi)金(jin)融(rong)(rong)(rong)通等(deng)鄉村振興的(de)重(zhong)要(yao)環節，積極創新(xin)金(jin)融(rong)(rong)(rong)產品和服(fu)務(wu)方式，打造(zao)綜合(he)化(hua)特色化(hua)鄉村振興金(jin)融(rong)(rong)(rong)服(fu)務(wu)體系。
（六）強化農(nong)(nong)(nong)村(cun)中小(xiao)(xiao)金融(rong)機(ji)構(gou)(gou)支(zhi)農(nong)(nong)(nong)主力(li)軍作(zuo)用(yong)(yong)(yong)。農(nong)(nong)(nong)村(cun)信(xin)用(yong)(yong)(yong)社(she)(she)、農(nong)(nong)(nong)村(cun)商業(ye)(ye)銀行(xing)、農(nong)(nong)(nong)村(cun)合(he)作(zuo)銀行(xing)要(yao)(yao)堅持服務(wu)縣(xian)(xian)域(yu)、支(zhi)農(nong)(nong)(nong)支(zhi)小(xiao)(xiao)的(de)市場定位(wei)(wei)，保持縣(xian)(xian)域(yu)農(nong)(nong)(nong)村(cun)金融(rong)機(ji)構(gou)(gou)法(fa)人地位(wei)(wei)和(he)數量總體穩定。積極探索農(nong)(nong)(nong)村(cun)信(xin)用(yong)(yong)(yong)社(she)(she)省(sheng)聯社(she)(she)改革路徑(jing)，理(li)順農(nong)(nong)(nong)村(cun)信(xin)用(yong)(yong)(yong)社(she)(she)管理(li)體制，明確并強化農(nong)(nong)(nong)村(cun)信(xin)用(yong)(yong)(yong)社(she)(she)的(de)獨(du)立(li)法(fa)人地位(wei)(wei)，完(wan)善公(gong)司(si)治理(li)機(ji)制，保障股東(dong)權利，提高(gao)縣(xian)(xian)域(yu)農(nong)(nong)(nong)村(cun)金融(rong)機(ji)構(gou)(gou)經營的(de)獨(du)立(li)性和(he)規范化水平(ping)，淡化農(nong)(nong)(nong)村(cun)信(xin)用(yong)(yong)(yong)社(she)(she)省(sheng)聯社(she)(she)在人事、財務(wu)、業(ye)(ye)務(wu)等(deng)(deng)方面的(de)行(xing)政(zheng)管理(li)職能，突出專業(ye)(ye)化服務(wu)功能。村(cun)鎮銀行(xing)要(yao)(yao)強化支(zhi)農(nong)(nong)(nong)支(zhi)小(xiao)(xiao)戰略(lve)定力(li)，向鄉(xiang)鎮延伸服務(wu)觸角。縣(xian)(xian)域(yu)法(fa)人金融(rong)機(ji)構(gou)(gou)資金投(tou)放(fang)使用(yong)(yong)(yong)應以涉農(nong)(nong)(nong)業(ye)(ye)務(wu)為主，不得片面追(zhui)求高(gao)收(shou)益。要(yao)(yao)把(ba)防(fang)控涉農(nong)(nong)(nong)貸(dai)款風險放(fang)在更加重(zhong)要(yao)(yao)的(de)位(wei)(wei)置(zhi)，提高(gao)風險管控能力(li)。積極發揮小(xiao)(xiao)額(e)貸(dai)款公(gong)司(si)等(deng)(deng)其(qi)他機(ji)構(gou)(gou)服務(wu)鄉(xiang)村(cun)振興(xing)的(de)有益補充作(zuo)用(yong)(yong)(yong)，探索新(xin)型農(nong)(nong)(nong)村(cun)合(he)作(zuo)金融(rong)發展(zhan)的(de)有效途徑(jing)，穩妥開展(zhan)農(nong)(nong)(nong)民合(he)作(zuo)社(she)(she)內部信(xin)用(yong)(yong)(yong)合(he)作(zuo)試點。
三、明確金(jin)(jin)融重(zhong)點支持(chi)領(ling)域(yu)(yu)，加大金(jin)(jin)融資源向鄉村(cun)振(zhen)興(xing)重(zhong)點領(ling)域(yu)(yu)和薄弱環節(jie)的傾斜力度
（七）不斷加(jia)大金融精準(zhun)扶(fu)(fu)貧(pin)力度，助力打贏脫(tuo)貧(pin)攻堅戰。加(jia)大對建(jian)檔立(li)卡(ka)貧(pin)困(kun)戶(hu)(hu)的扶(fu)(fu)持力度，用好用足扶(fu)(fu)貧(pin)小額信貸、農(nong)戶(hu)(hu)小額信用貸款(kuan)、創業擔保貸款(kuan)、助學貸款(kuan)、康(kang)復扶(fu)(fu)貧(pin)貸款(kuan)等(deng)優惠政策，滿足建(jian)檔立(li)卡(ka)貧(pin)困(kun)戶(hu)(hu)生產(chan)、創業、就(jiu)業、就(jiu)學等(deng)合(he)理貸款(kuan)需求。推動金融扶(fu)(fu)貧(pin)和(he)產(chan)業扶(fu)(fu)貧(pin)融合(he)發展，按照穿(chuan)透式原則，建(jian)立(li)金融支(zhi)持與企(qi)業帶(dai)動貧(pin)困(kun)戶(hu)(hu)脫(tuo)貧(pin)的掛鉤機制。
（八(ba)）圍繞藏(zang)糧(liang)(liang)于地、藏(zang)糧(liang)(liang)于技(ji)，做好(hao)國(guo)家糧(liang)(liang)食(shi)安全(quan)金融服務(wu)。以國(guo)家確定(ding)的糧(liang)(liang)食(shi)生(sheng)產功(gong)能區、重要農(nong)(nong)產品生(sheng)產保(bao)護區和特色農(nong)(nong)產品優勢區為重點，創(chuang)新(xin)投融資模式，加大對高(gao)標準農(nong)(nong)田建設(she)和農(nong)(nong)村土(tu)地整治的信貸(dai)支持(chi)(chi)力度(du)，推(tui)進(jin)農(nong)(nong)業(ye)科(ke)技(ji)與(yu)資本(ben)有(you)(you)效(xiao)對接，持(chi)(chi)續增加對現代種業(ye)提升、農(nong)(nong)業(ye)科(ke)技(ji)創(chuang)新(xin)和成果轉化的投入(ru)。結(jie)合糧(liang)(liang)食(shi)收儲(chu)(chu)制度(du)及價格形成機制的市場(chang)化改革，支持(chi)(chi)農(nong)(nong)業(ye)發展銀(yin)行(xing)做好(hao)政策性糧(liang)(liang)食(shi)收儲(chu)(chu)工(gong)作，探索支持(chi)(chi)多元市場(chang)主(zhu)體進(jin)行(xing)市場(chang)化糧(liang)(liang)食(shi)收購的有(you)(you)效(xiao)模式。
（九）聚(ju)焦產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)興旺，推(tui)動農(nong)(nong)(nong)(nong)村(cun)一二三產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)融合(he)發(fa)展(zhan)(zhan)。積極滿足(zu)農(nong)(nong)(nong)(nong)田水利(li)、農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)科(ke)技(ji)研發(fa)、高端農(nong)(nong)(nong)(nong)機(ji)裝備制造、農(nong)(nong)(nong)(nong)產(chan)(chan)(chan)(chan)品(pin)加(jia)工業(ye)(ye)(ye)、智(zhi)慧農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)產(chan)(chan)(chan)(chan)品(pin)技(ji)術研發(fa)推(tui)廣(guang)、農(nong)(nong)(nong)(nong)產(chan)(chan)(chan)(chan)品(pin)冷鏈倉儲物(wu)流及烘干等(deng)現代(dai)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)重(zhong)點領域的(de)合(he)理(li)融資(zi)需求，促進發(fa)展(zhan)(zhan)節水農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)、高效(xiao)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)、智(zhi)慧農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)、綠色(se)(se)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)。支(zhi)持農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)化(hua)龍頭企業(ye)(ye)(ye)及聯合(he)體發(fa)展(zhan)(zhan)，延伸農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)鏈，提高農(nong)(nong)(nong)(nong)產(chan)(chan)(chan)(chan)品(pin)附加(jia)值(zhi)。充分發(fa)掘地區(qu)特色(se)(se)資(zi)源，支(zhi)持探索農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)與旅游(you)、養(yang)老、健(jian)康等(deng)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)融合(he)發(fa)展(zhan)(zhan)的(de)有效(xiao)模式，推(tui)動休閑農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)、鄉村(cun)旅游(you)、特色(se)(se)民(min)宿和農(nong)(nong)(nong)(nong)村(cun)康養(yang)等(deng)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)發(fa)展(zhan)(zhan)。加(jia)大對(dui)現代(dai)農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)園、農(nong)(nong)(nong)(nong)業(ye)(ye)(ye)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)強鎮等(deng)的(de)金融支(zhi)持力(li)度，推(tui)動產(chan)(chan)(chan)(chan)村(cun)融合(he)、產(chan)(chan)(chan)(chan)城融合(he)發(fa)展(zhan)(zhan)。
（十）重點做好新型(xing)農(nong)(nong)(nong)業(ye)(ye)(ye)經(jing)(jing)(jing)營(ying)主(zhu)(zhu)體和小農(nong)(nong)(nong)戶(hu)的金(jin)(jin)融(rong)服(fu)務，有(you)效(xiao)(xiao)滿足其經(jing)(jing)(jing)營(ying)發展的資(zi)金(jin)(jin)需(xu)求(qiu)。針對(dui)不同主(zhu)(zhu)體的特點，建立(li)分層分類的農(nong)(nong)(nong)業(ye)(ye)(ye)經(jing)(jing)(jing)營(ying)主(zhu)(zhu)體金(jin)(jin)融(rong)支持體系。鼓勵(li)(li)家庭農(nong)(nong)(nong)場、農(nong)(nong)(nong)民合作社、農(nong)(nong)(nong)業(ye)(ye)(ye)社會化(hua)(hua)服(fu)務組(zu)織、龍頭企(qi)(qi)業(ye)(ye)(ye)等(deng)新型(xing)農(nong)(nong)(nong)業(ye)(ye)(ye)經(jing)(jing)(jing)營(ying)主(zhu)(zhu)體通過土地流轉、土地入股、生(sheng)產性托(tuo)管服(fu)務等(deng)多種形式實現(xian)規(gui)模經(jing)(jing)(jing)營(ying)，探索完善對(dui)各類新型(xing)農(nong)(nong)(nong)業(ye)(ye)(ye)經(jing)(jing)(jing)營(ying)主(zhu)(zhu)體的風(feng)險管理模式，增強金(jin)(jin)融(rong)資(zi)源承(cheng)載力。鼓勵(li)(li)發展農(nong)(nong)(nong)業(ye)(ye)(ye)供(gong)應鏈金(jin)(jin)融(rong)，將小農(nong)(nong)(nong)戶(hu)納入現(xian)代農(nong)(nong)(nong)業(ye)(ye)(ye)生(sheng)產體系，強化(hua)(hua)利益聯結(jie)機制，依托(tuo)核心企(qi)(qi)業(ye)(ye)(ye)提(ti)高(gao)小農(nong)(nong)(nong)戶(hu)和新型(xing)農(nong)(nong)(nong)業(ye)(ye)(ye)經(jing)(jing)(jing)營(ying)主(zhu)(zhu)體融(rong)資(zi)可得性。支持農(nong)(nong)(nong)業(ye)(ye)(ye)生(sheng)產性服(fu)務業(ye)(ye)(ye)發展，推動實現(xian)農(nong)(nong)(nong)業(ye)(ye)(ye)節本增效(xiao)(xiao)。
（十一）做好農(nong)(nong)(nong)村(cun)產(chan)(chan)(chan)權(quan)制(zhi)(zhi)(zhi)度改(gai)革(ge)(ge)金(jin)(jin)融(rong)服務，發展(zhan)壯(zhuang)大(da)(da)農(nong)(nong)(nong)村(cun)集(ji)體(ti)(ti)(ti)(ti)經(jing)濟。配(pei)合(he)農(nong)(nong)(nong)村(cun)土地制(zhi)(zhi)(zhi)度改(gai)革(ge)(ge)和農(nong)(nong)(nong)村(cun)集(ji)體(ti)(ti)(ti)(ti)產(chan)(chan)(chan)權(quan)制(zhi)(zhi)(zhi)度改(gai)革(ge)(ge)部署，加(jia)快推(tui)(tui)動確權(quan)登(deng)記頒(ban)證(zheng)、價值評估、交易流轉、處置(zhi)變現等配(pei)套機制(zhi)(zhi)(zhi)建設(she)，積極(ji)穩(wen)妥推(tui)(tui)廣(guang)農(nong)(nong)(nong)村(cun)承包土地的(de)經(jing)營(ying)權(quan)抵(di)押(ya)貸款(kuan)業務，結(jie)合(he)宅基地“三(san)權(quan)分置(zhi)”改(gai)革(ge)(ge)試(shi)點進展(zhan)穩(wen)妥開展(zhan)農(nong)(nong)(nong)民住房財產(chan)(chan)(chan)權(quan)抵(di)押(ya)貸款(kuan)業務，推(tui)(tui)動集(ji)體(ti)(ti)(ti)(ti)經(jing)營(ying)性建設(she)用地使用權(quan)、集(ji)體(ti)(ti)(ti)(ti)資(zi)(zi)產(chan)(chan)(chan)股份等依法合(he)規(gui)予以抵(di)押(ya)，促(cu)進農(nong)(nong)(nong)村(cun)土地資(zi)(zi)產(chan)(chan)(chan)和金(jin)(jin)融(rong)資(zi)(zi)源的(de)有機銜接。結(jie)合(he)農(nong)(nong)(nong)村(cun)集(ji)體(ti)(ti)(ti)(ti)經(jing)濟組織登(deng)記賦碼工作進展(zhan)，加(jia)大(da)(da)對具(ju)有獨立法人地位、集(ji)體(ti)(ti)(ti)(ti)資(zi)(zi)產(chan)(chan)(chan)清(qing)晰、現金(jin)(jin)流穩(wen)定的(de)集(ji)體(ti)(ti)(ti)(ti)經(jing)濟組織的(de)金(jin)(jin)融(rong)支持力(li)度。
四(si)、強化金融產(chan)品(pin)和(he)服(fu)務方式創新，更好滿足鄉(xiang)村振興多樣化融資(zi)需求
（十二）積極拓寬農(nong)(nong)業(ye)(ye)農(nong)(nong)村抵(di)(di)質(zhi)押(ya)(ya)物范圍(wei)。推(tui)動廠(chang)房和(he)大型農(nong)(nong)機具抵(di)(di)押(ya)(ya)、圈(quan)舍和(he)活體畜禽抵(di)(di)押(ya)(ya)、動產(chan)(chan)質(zhi)押(ya)(ya)、倉單(dan)和(he)應收賬款(kuan)質(zhi)押(ya)(ya)、農(nong)(nong)業(ye)(ye)保(bao)單(dan)融資等信(xin)貸業(ye)(ye)務，依法合規(gui)推(tui)動形成全方位(wei)、多元化(hua)的農(nong)(nong)村資產(chan)(chan)抵(di)(di)質(zhi)押(ya)(ya)融資模式。積極穩妥開展林(lin)權抵(di)(di)押(ya)(ya)貸款(kuan)，探索創(chuang)新抵(di)(di)押(ya)(ya)貸款(kuan)模式。鼓勵(li)企業(ye)(ye)和(he)農(nong)(nong)戶(hu)通(tong)過(guo)融資租賃業(ye)(ye)務，解決農(nong)(nong)業(ye)(ye)大型機械、生產(chan)(chan)設備、加工(gong)設備購置更(geng)新資金(jin)不足問題。
（十三）創新金(jin)融(rong)機(ji)構內部信(xin)貸(dai)(dai)(dai)管理(li)機(ji)制。各涉(she)(she)農(nong)(nong)銀(yin)行業金(jin)融(rong)機(ji)構要單獨制定涉(she)(she)農(nong)(nong)信(xin)貸(dai)(dai)(dai)年度目標(biao)任務(wu)(wu)，并在經(jing)濟資本配置、內部資金(jin)轉(zhuan)移定價、費用安排等方面給予一定傾(qing)斜(xie)。完善涉(she)(she)農(nong)(nong)業務(wu)(wu)部門和縣(xian)域(yu)支行的(de)(de)差異化考(kao)核機(ji)制，落實涉(she)(she)農(nong)(nong)信(xin)貸(dai)(dai)(dai)業務(wu)(wu)的(de)(de)薪酬激勵和盡職(zhi)免責。適當下放信(xin)貸(dai)(dai)(dai)審(shen)(shen)批權限(xian)，推動(dong)分支機(ji)構尤其是縣(xian)域(yu)存貸(dai)(dai)(dai)比偏低的(de)(de)分支機(ji)構，加大(da)涉(she)(she)農(nong)(nong)信(xin)貸(dai)(dai)(dai)投放。在商業可持續的(de)(de)基礎(chu)上簡化貸(dai)(dai)(dai)款(kuan)審(shen)(shen)批流(liu)程(cheng)，合理(li)確定貸(dai)(dai)(dai)款(kuan)的(de)(de)額度、利率和期限(xian)，鼓勵開展與農(nong)(nong)業生產經(jing)營周(zhou)期相(xiang)匹配的(de)(de)流(liu)動(dong)資金(jin)貸(dai)(dai)(dai)款(kuan)和中長期貸(dai)(dai)(dai)款(kuan)等業務(wu)(wu)。
（十(shi)四）推動新(xin)技術在(zai)農(nong)村金(jin)(jin)融領域(yu)的(de)應用(yong)(yong)推廣。規(gui)范互聯網金(jin)(jin)融在(zai)農(nong)村地區的(de)發展(zhan)，積(ji)極運用(yong)(yong)大(da)數(shu)據(ju)、區塊鏈等技術，提高(gao)涉農(nong)信(xin)貸風(feng)險(xian)(xian)的(de)識別、監控、預警和(he)處置水(shui)平(ping)。加強涉農(nong)信(xin)貸數(shu)據(ju)的(de)積(ji)累和(he)共享，通過客(ke)戶信(xin)息整合和(he)篩選，創新(xin)農(nong)村經營主體信(xin)用(yong)(yong)評價(jia)模式，在(zai)有(you)效做好風(feng)險(xian)(xian)防范的(de)前提下(xia)，逐步提升發放信(xin)用(yong)(yong)貸款(kuan)的(de)比(bi)重。鼓勵金(jin)(jin)融機構開發針對(dui)農(nong)村電商(shang)的(de)專(zhuan)屬(shu)貸款(kuan)產(chan)品和(he)小額支付(fu)結算功能，打通農(nong)村電商(shang)資金(jin)(jin)鏈條。
（十五(wu)）完善“三農”綠(lv)(lv)色(se)(se)金(jin)融產(chan)品(pin)和服務(wu)體(ti)系。完善綠(lv)(lv)色(se)(se)信貸(dai)體(ti)系，鼓勵(li)銀行(xing)業金(jin)融機構加快創(chuang)新“三農”綠(lv)(lv)色(se)(se)金(jin)融產(chan)品(pin)和服務(wu)，通過發(fa)行(xing)綠(lv)(lv)色(se)(se)金(jin)融債券等方(fang)式(shi)，籌集資金(jin)用于支持污染防(fang)治、清潔能源、節水、生態保護、綠(lv)(lv)色(se)(se)農業等綠(lv)(lv)色(se)(se)領域，助力打(da)好(hao)污染防(fang)治攻堅(jian)戰。加強(qiang)綠(lv)(lv)色(se)(se)債券后續監督管理，確(que)保資金(jin)專款(kuan)專用。
五、建立健全(quan)多渠(qu)道資金供給(gei)體系，拓寬鄉村振興融資來源
（十六）加大多層次資本市場的支持力度。支持符合條件的涉農企業在主板、中小板、創業板以及新三板等上市和掛牌融資，規范發展區域性股權市場。加強再融資監管，規范涉農上市公司募集資金投向，避免資金“脫實向虛”。鼓勵中介機構適當降低針對涉農企業上市和再融資的中介費用。在門檻不降低的前提下，繼續對國家級貧困地區的企業首次公開募股（IPO）、新三板掛牌、公司債發行、并購重組開辟綠色通道。健全風險投資引導機制，積極引導風險資金投早投小，加大對初創期涉農企業的支持力度。鼓勵有條件的地區發起設立鄉村振興投資基金，推動農業產業整合和轉型升級。
（十七）創新債(zhai)券市場融(rong)資工(gong)具(ju)和(he)產品。鼓勵(li)地(di)方(fang)政府發(fa)(fa)(fa)行(xing)一般債(zhai)券，用于(yu)農村人居環境整(zheng)治、高標準農田建設(she)(she)等領域(yu)。支持地(di)方(fang)政府根據鄉村振興項目(mu)資金(jin)需求，試點發(fa)(fa)(fa)行(xing)項目(mu)融(rong)資和(he)收益自(zi)平衡(heng)的專(zhuan)項債(zhai)券。鼓勵(li)商業銀行(xing)發(fa)(fa)(fa)行(xing)“三農”專(zhuan)項金(jin)融(rong)債(zhai)券，募集資金(jin)用于(yu)支持符(fu)合(he)條(tiao)件(jian)的鄉村振興項目(mu)建設(she)(she)。加大對(dui)非(fei)金(jin)融(rong)企(qi)業債(zhai)務(wu)融(rong)資工(gong)具(ju)的宣傳力度，支持對(dui)優質(zhi)涉農企(qi)業開辟注(zhu)(zhu)冊發(fa)(fa)(fa)行(xing)綠色通道，在(zai)滿足信(xin)息披露要(yao)求的前提下簡化注(zhu)(zhu)冊發(fa)(fa)(fa)行(xing)流(liu)程。
（十八(ba)）發揮期(qi)貨(huo)(huo)市場價格發現和風(feng)險(xian)分散功能。加快(kuai)推(tui)(tui)動農(nong)(nong)產(chan)(chan)品(pin)(pin)(pin)(pin)期(qi)貨(huo)(huo)品(pin)(pin)(pin)(pin)種(zhong)開(kai)發上(shang)市，創(chuang)(chuang)新推(tui)(tui)出大宗畜產(chan)(chan)品(pin)(pin)(pin)(pin)、經(jing)濟作物(wu)等期(qi)貨(huo)(huo)交(jiao)易，豐富農(nong)(nong)產(chan)(chan)品(pin)(pin)(pin)(pin)期(qi)貨(huo)(huo)品(pin)(pin)(pin)(pin)種(zhong)。積極運(yun)用期(qi)貨(huo)(huo)價格信息引導農(nong)(nong)業(ye)(ye)(ye)經(jing)營(ying)者優(you)化種(zhong)植結構，完善農(nong)(nong)產(chan)(chan)品(pin)(pin)(pin)(pin)期(qi)貨(huo)(huo)交(jiao)易、交(jiao)割規則。創(chuang)(chuang)新農(nong)(nong)產(chan)(chan)品(pin)(pin)(pin)(pin)期(qi)權品(pin)(pin)(pin)(pin)種(zhong)，改(gai)進白糖、豆粕期(qi)權規則，加快(kuai)推(tui)(tui)進并擇機(ji)推(tui)(tui)出玉米、棉花等期(qi)權合約(yue)，豐富農(nong)(nong)業(ye)(ye)(ye)風(feng)險(xian)管理手段。穩(wen)步(bu)擴(kuo)大“保險(xian)+期(qi)貨(huo)(huo)”試點(dian)，探索(suo)“訂單農(nong)(nong)業(ye)(ye)(ye)+保險(xian)+期(qi)貨(huo)(huo)（權）”試點(dian)，探索(suo)建立農(nong)(nong)業(ye)(ye)(ye)補貼、涉農(nong)(nong)信貸、農(nong)(nong)產(chan)(chan)品(pin)(pin)(pin)(pin)期(qi)貨(huo)(huo)（權）和農(nong)(nong)業(ye)(ye)(ye)保險(xian)聯動機(ji)制(zhi)，形(xing)成(cheng)金融支(zhi)農(nong)(nong)綜合體系。
（十(shi)九）持續提高農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的保(bao)(bao)障水平。科(ke)學確定(ding)(ding)農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)保(bao)(bao)費補(bu)貼(tie)機制，鼓勵有條件的地方(fang)政(zheng)府結合財(cai)力(li)加大財(cai)政(zheng)補(bu)貼(tie)力(li)度，拓(tuo)寬財(cai)政(zheng)補(bu)貼(tie)險(xian)(xian)(xian)(xian)(xian)(xian)種(zhong)，合理確定(ding)(ding)農(nong)(nong)(nong)業(ye)(ye)經營主體承擔的保(bao)(bao)費水平。探索開展(zhan)地方(fang)特(te)色農(nong)(nong)(nong)產品保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)以獎(jiang)代補(bu)政(zheng)策試(shi)點(dian)。落(luo)實農(nong)(nong)(nong)業(ye)(ye)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)大災風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)準備金制度，組建中國農(nong)(nong)(nong)業(ye)(ye)再保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)公司，完(wan)善農(nong)(nong)(nong)業(ye)(ye)再保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)體系。逐步(bu)擴大農(nong)(nong)(nong)業(ye)(ye)大災保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)、完(wan)全(quan)成(cheng)本保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)和收入保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)試(shi)點(dian)范圍。引導保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)機構到(dao)農(nong)(nong)(nong)村地區(qu)設(she)立基層(ceng)服務網點(dian)，下沉服務重心，實現西(xi)藏(zang)自(zi)治(zhi)區(qu)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)機構地市級全(quan)覆蓋，其(qi)他省(sheng)份(fen)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)機構縣級全(quan)覆蓋。
六、加(jia)強金融(rong)基(ji)礎設施建設，營造良(liang)好的農(nong)村金融(rong)生態環境(jing)
（二十）在可(ke)持(chi)(chi)續的前提(ti)(ti)下(xia)全(quan)面提(ti)(ti)升(sheng)農(nong)(nong)(nong)(nong)村(cun)地(di)區(qu)支(zhi)(zhi)(zhi)付(fu)(fu)(fu)服(fu)(fu)(fu)務(wu)(wu)(wu)水平(ping)。大力推動(dong)移(yi)動(dong)支(zhi)(zhi)(zhi)付(fu)(fu)(fu)等新興(xing)支(zhi)(zhi)(zhi)付(fu)(fu)(fu)方式的普及應用，鼓(gu)勵和(he)支(zhi)(zhi)(zhi)持(chi)(chi)各(ge)類支(zhi)(zhi)(zhi)付(fu)(fu)(fu)服(fu)(fu)(fu)務(wu)(wu)(wu)主體到農(nong)(nong)(nong)(nong)村(cun)地(di)區(qu)開展業務(wu)(wu)(wu)，積極引導移(yi)動(dong)支(zhi)(zhi)(zhi)付(fu)(fu)(fu)便民工程全(quan)面向鄉村(cun)延伸，推廣符(fu)合農(nong)(nong)(nong)(nong)村(cun)農(nong)(nong)(nong)(nong)業農(nong)(nong)(nong)(nong)民需要(yao)的移(yi)動(dong)支(zhi)(zhi)(zhi)付(fu)(fu)(fu)等新型支(zhi)(zhi)(zhi)付(fu)(fu)(fu)產品(pin)。推動(dong)銀行卡助農(nong)(nong)(nong)(nong)取(qu)(qu)款服(fu)(fu)(fu)務(wu)(wu)(wu)規范(fan)可(ke)持(chi)(chi)續發展，鼓(gu)勵支(zhi)(zhi)(zhi)持(chi)(chi)助農(nong)(nong)(nong)(nong)取(qu)(qu)款服(fu)(fu)(fu)務(wu)(wu)(wu)與信(xin)息(xi)進(jin)村(cun)入戶、農(nong)(nong)(nong)(nong)村(cun)電(dian)商、城(cheng)鄉社會保障等合作共(gong)建(jian)，提(ti)(ti)升(sheng)服(fu)(fu)(fu)務(wu)(wu)(wu)點網絡價值。推動(dong)支(zhi)(zhi)(zhi)付(fu)(fu)(fu)結算服(fu)(fu)(fu)務(wu)(wu)(wu)從服(fu)(fu)(fu)務(wu)(wu)(wu)農(nong)(nong)(nong)(nong)民生活向服(fu)(fu)(fu)務(wu)(wu)(wu)農(nong)(nong)(nong)(nong)業生產、農(nong)(nong)(nong)(nong)村(cun)生態有效延伸，不斷優化銀行賬戶服(fu)(fu)(fu)務(wu)(wu)(wu)，加(jia)強(qiang)風險(xian)防范(fan)，持(chi)(chi)續開展宣傳，促進(jin)農(nong)(nong)(nong)(nong)村(cun)支(zhi)(zhi)(zhi)付(fu)(fu)(fu)服(fu)(fu)(fu)務(wu)(wu)(wu)環境建(jian)設可(ke)持(chi)(chi)續發展。
（二(er)十一）加快推進(jin)(jin)農(nong)村(cun)(cun)(cun)信(xin)(xin)(xin)(xin)(xin)用(yong)體系建設(she)。按照(zhao)政府主導、人民銀(yin)行(xing)牽頭、各方參與(yu)、服(fu)務(wu)社(she)會(hui)的整體思路(lu)，全面開(kai)展(zhan)信(xin)(xin)(xin)(xin)(xin)用(yong)鄉鎮、信(xin)(xin)(xin)(xin)(xin)用(yong)村(cun)(cun)(cun)、信(xin)(xin)(xin)(xin)(xin)用(yong)戶(hu)創建活動(dong)，發揮信(xin)(xin)(xin)(xin)(xin)用(yong)信(xin)(xin)(xin)(xin)(xin)息服(fu)務(wu)農(nong)村(cun)(cun)(cun)經(jing)(jing)濟主體融資(zi)功能(neng)。強化(hua)部門間信(xin)(xin)(xin)(xin)(xin)息互聯互通，推行(xing)守信(xin)(xin)(xin)(xin)(xin)聯合激勵和失信(xin)(xin)(xin)(xin)(xin)聯合懲戒(jie)機制，不斷提高(gao)農(nong)村(cun)(cun)(cun)地(di)區各類(lei)經(jing)(jing)濟主體的信(xin)(xin)(xin)(xin)(xin)用(yong)意識，優化(hua)農(nong)村(cun)(cun)(cun)金(jin)融生(sheng)態環境。穩步推進(jin)(jin)農(nong)戶(hu)、家庭農(nong)場、農(nong)民合作社(she)、農(nong)業社(she)會(hui)化(hua)服(fu)務(wu)組織、農(nong)村(cun)(cun)(cun)企業等經(jing)(jing)濟主體電(dian)子(zi)信(xin)(xin)(xin)(xin)(xin)用(yong)檔案建設(she)，多渠道整合社(she)會(hui)信(xin)(xin)(xin)(xin)(xin)用(yong)信(xin)(xin)(xin)(xin)(xin)息，完(wan)善信(xin)(xin)(xin)(xin)(xin)用(yong)評價與(yu)共(gong)享(xiang)機制，促(cu)進(jin)(jin)農(nong)村(cun)(cun)(cun)地(di)區信(xin)(xin)(xin)(xin)(xin)息、信(xin)(xin)(xin)(xin)(xin)用(yong)、信(xin)(xin)(xin)(xin)(xin)貸聯動(dong)。
（二(er)十(shi)二(er)）強化(hua)農村地(di)區(qu)金(jin)(jin)融(rong)(rong)消費(fei)(fei)權益保(bao)(bao)護。深入開展“金(jin)(jin)惠工程(cheng)”、“金(jin)(jin)融(rong)(rong)知識普(pu)及月”等金(jin)(jin)融(rong)(rong)知識普(pu)及活動(dong)(dong)，實現農村地(di)區(qu)金(jin)(jin)融(rong)(rong)宣傳(chuan)教育全覆蓋。加(jia)大金(jin)(jin)融(rong)(rong)消費(fei)(fei)權益保(bao)(bao)護宣傳(chuan)力度，增強農村金(jin)(jin)融(rong)(rong)消費(fei)(fei)者(zhe)的(de)風險意識和識別違法違規(gui)金(jin)(jin)融(rong)(rong)活動(dong)(dong)的(de)能力。規(gui)范金(jin)(jin)融(rong)(rong)機構業務(wu)行為，加(jia)強信息披(pi)露和風險提示，暢通消費(fei)(fei)者(zhe)投訴的(de)處理渠道，構建(jian)農村地(di)區(qu)良好的(de)金(jin)(jin)融(rong)(rong)生態環(huan)境。
七、完善政策(ce)保障(zhang)體系，強化政策(ce)激勵和(he)約束
（二十三）加大貨幣政(zheng)策(ce)支(zhi)持(chi)力度(du)。發揮好(hao)差(cha)別化存款(kuan)準備(bei)金工具的正向激勵作用，引導金融機構加強對鄉村(cun)(cun)振興的金融支(zhi)持(chi)。加大再(zai)(zai)(zai)貸(dai)款(kuan)、再(zai)(zai)(zai)貼現支(zhi)持(chi)力度(du)。根據(ju)鄉村(cun)(cun)振興金融需求合理確(que)定再(zai)(zai)(zai)貸(dai)款(kuan)的期限(xian)、額度(du)和(he)發放(fang)(fang)時間，提高資(zi)金使用效率(lv)。加強再(zai)(zai)(zai)貸(dai)款(kuan)臺(tai)賬管理和(he)效果評估，確(que)保支(zhi)農再(zai)(zai)(zai)貸(dai)款(kuan)資(zi)金全(quan)部用于發放(fang)(fang)涉農貸(dai)款(kuan)，再(zai)(zai)(zai)貸(dai)款(kuan)優惠利(li)率(lv)政(zheng)策(ce)有效傳導至涉農經(jing)濟實體。
（二(er)十(shi)四(si)）更(geng)好發揮財政支(zhi)持撬動作用。更(geng)好地(di)(di)發揮縣(xian)域金(jin)融(rong)機(ji)(ji)構(gou)涉農(nong)貸(dai)款增(zeng)量獎勵等(deng)政策的激(ji)勵作用，引導縣(xian)域金(jin)融(rong)機(ji)(ji)構(gou)將(jiang)吸(xi)收(shou)(shou)的存款主要投放當地(di)(di)。健全農(nong)業(ye)信貸(dai)擔保(bao)體(ti)系，推動農(nong)業(ye)信貸(dai)擔保(bao)服(fu)務網(wang)絡(luo)向市縣(xian)延伸，擴(kuo)大在保(bao)貸(dai)款余額和在保(bao)項目數量。充分發揮國家融(rong)資(zi)擔保(bao)基金(jin)作用，引導更(geng)多金(jin)融(rong)資(zi)源(yuan)支(zhi)持鄉村振興。落實金(jin)融(rong)機(ji)(ji)構(gou)向農(nong)戶(hu)、小微(wei)企業(ye)及個(ge)體(ti)工商戶(hu)發放小額貸(dai)款取(qu)得的利息收(shou)(shou)入免征增(zeng)值稅政策。鼓(gu)勵地(di)(di)方(fang)政府通(tong)過(guo)財政補貼等(deng)措(cuo)施支(zhi)持農(nong)村地(di)(di)區尤其是貧困(kun)地(di)(di)區支(zhi)付服(fu)務環境建(jian)設，引導更(geng)多支(zhi)付結算(suan)主體(ti)、人員、機(ji)(ji)具等(deng)資(zi)源(yuan)投向農(nong)村貧困(kun)地(di)(di)區。
（二十五(wu)）完善差(cha)異化監管(guan)體系。適(shi)當放寬“三(san)農”專項金融(rong)債券的(de)(de)發行(xing)條件(jian)，取消(xiao)“最近兩年涉農貸款(kuan)年度(du)增(zeng)速高(gao)(gao)(gao)于全(quan)部貸款(kuan)平(ping)均增(zeng)速或增(zeng)量高(gao)(gao)(gao)于上年同期水平(ping)”的(de)(de)要求。適(shi)度(du)提高(gao)(gao)(gao)涉農貸款(kuan)不良容忍度(du)，涉農貸款(kuan)不良率高(gao)(gao)(gao)出自身各項貸款(kuan)不良率年度(du)目標2個百分(fen)點（含）以內的(de)(de)，可不作為銀行(xing)業(ye)金融(rong)機構內部考核評價的(de)(de)扣分(fen)因素。
（二十六）推(tui)動(dong)完(wan)(wan)善(shan)農(nong)(nong)村(cun)(cun)金融改革試(shi)點(dian)相關法(fa)(fa)(fa)律(lv)和(he)規(gui)(gui)章制(zhi)度。配合鄉村(cun)(cun)振(zhen)興相關法(fa)(fa)(fa)律(lv)法(fa)(fa)(fa)規(gui)(gui)的(de)研(yan)究制(zhi)定，研(yan)究推(tui)動(dong)農(nong)(nong)村(cun)(cun)金融立法(fa)(fa)(fa)工作，強化(hua)農(nong)(nong)村(cun)(cun)金融法(fa)(fa)(fa)律(lv)保障(zhang)。結合農(nong)(nong)村(cun)(cun)承(cheng)包土(tu)地的(de)經(jing)營(ying)權和(he)農(nong)(nong)民住(zhu)房財產(chan)權抵(di)押貸款試(shi)點(dian)經(jing)驗，推(tui)動(dong)修改完(wan)(wan)善(shan)農(nong)(nong)村(cun)(cun)土(tu)地承(cheng)包法(fa)(fa)(fa)等法(fa)(fa)(fa)律(lv)法(fa)(fa)(fa)規(gui)(gui)，使農(nong)(nong)村(cun)(cun)承(cheng)包土(tu)地的(de)經(jing)營(ying)權和(he)農(nong)(nong)民住(zhu)房財產(chan)權抵(di)押貸款業(ye)務有法(fa)(fa)(fa)可(ke)依。
八、加強(qiang)組織領導，有效(xiao)推動政(zheng)策(ce)落(luo)實
（二十七(qi)）強化(hua)黨對(dui)農(nong)(nong)(nong)村金融(rong)(rong)工作(zuo)的領(ling)導。全面做好金融(rong)(rong)服務鄉(xiang)(xiang)村振(zhen)(zhen)興(xing)工作(zuo)，要以習近平總書記關于“三農(nong)(nong)(nong)”工作(zuo)、鄉(xiang)(xiang)村振(zhen)(zhen)興(xing)工作(zuo)的重(zhong)要論述為指導，切實(shi)加強黨對(dui)農(nong)(nong)(nong)村金融(rong)(rong)工作(zuo)的領(ling)導。各金融(rong)(rong)機構要切實(shi)加強組(zu)織領(ling)導，由總行（總部）一(yi)(yi)把手(shou)(shou)直接抓鄉(xiang)(xiang)村振(zhen)(zhen)興(xing)，各級(ji)分支(zhi)機構一(yi)(yi)把手(shou)(shou)切實(shi)承擔(dan)起政策落實(shi)的第一(yi)(yi)責任，為農(nong)(nong)(nong)村金融(rong)(rong)發展提(ti)供堅(jian)強組(zu)織保障。
（二十八）開(kai)展金融(rong)機構(gou)(gou)服務(wu)(wu)鄉村振興(xing)考核評(ping)(ping)估(gu)(gu)。根據鄉村振興(xing)戰略目標，加強鄉村振興(xing)領域(yu)貸(dai)款監(jian)測(ce)，在完善(shan)新型農業(ye)經(jing)營主(zhu)體認定(ding)標準的(de)基礎上(shang)，探索建(jian)立(li)(li)家庭(ting)農場、農民合作社等(deng)新型農業(ye)經(jing)營主(zhu)體貸(dai)款統計，及時(shi)動(dong)態跟蹤金融(rong)機構(gou)(gou)服務(wu)(wu)鄉村振興(xing)的(de)工(gong)作進(jin)展。建(jian)立(li)(li)金融(rong)機構(gou)(gou)服務(wu)(wu)鄉村振興(xing)考核評(ping)(ping)估(gu)(gu)制(zhi)度(du)，從(cong)定(ding)性指(zhi)標和定(ding)量指(zhi)標兩(liang)大方面對金融(rong)機構(gou)(gou)進(jin)行評(ping)(ping)估(gu)(gu)，定(ding)期(qi)通報評(ping)(ping)估(gu)(gu)結(jie)果，并(bing)作為實(shi)施貨幣政(zheng)(zheng)策(ce)、金融(rong)市場業(ye)務(wu)(wu)準入(ru)、開(kai)展宏觀審慎評(ping)(ping)估(gu)(gu)、差別化監(jian)管、財(cai)政(zheng)(zheng)支持等(deng)工(gong)作的(de)重要(yao)參考依據。
（二十九(jiu)）抓好推(tui)進(jin)落實(shi)和經驗宣傳(chuan)。人民銀行分支機(ji)構要會(hui)同銀行保(bao)險監管、證券監管、財(cai)政(zheng)、農業農村(cun)等(deng)部(bu)門(men)(men)，根據本(ben)意見細(xi)化轄(xia)區(qu)(qu)服(fu)務鄉(xiang)村(cun)振(zhen)(zhen)興(xing)的目(mu)標任(ren)務和部(bu)門(men)(men)分工(gong)(gong)，扎實(shi)推(tui)進(jin)各項工(gong)(gong)作舉措落地見效。鼓勵具備條件的地區(qu)(qu)，加大農村(cun)金融改革力度(du)，依照程序建設金融服(fu)務鄉(xiang)村(cun)振(zhen)(zhen)興(xing)試驗區(qu)(qu)，開展先行先試，加強典(dian)型經驗宣傳(chuan)推(tui)廣(guang)，確保(bao)政(zheng)策惠及鄉(xiang)村(cun)振(zhen)(zhen)興(xing)重點領域。
相關文章推薦:
