Causes and countermeasures of financing difficulties in animal husbandry

Causes and countermeasures of financing difficulties in animal husbandry

With China's entry into WTO and the large-scale adjustment of agricultural industrial structure. At present, animal husbandry is becoming a pillar industry for rural areas to become rich and well-off. Its production and operation enterprises or individuals not only create a large number of employment opportunities for the society, but also bring huge taxes to the country, and also provide consumers with rich animal foods such as meat, eggs and milk. However, in interviews with industry-related enterprises and individuals, they generally reflect that the main problem existing in production and business activities is "financing difficulty". Let's briefly talk about the reasons and countermeasures of the difficulty in raising funds for animal husbandry. Welcome to read, I hope you will like it.

1 Reasons for the difficulty in raising funds for animal husbandry

1- 1 The integrity image of the industry is missing.

Today, with the development of animal husbandry, the concept of honesty is facing a severe test. The lack of honesty has become a very prominent contradiction and problem in the development of the industry, and it has become a restrictive factor affecting the development of the industry.

1- 1- 1 Lack of integrity in production and operation. Due to the wide distribution, many employees and different quality and understanding of personnel, the overall integrity of animal husbandry in production and operation activities is poor, and various dishonesty behaviors such as daily fraudulent operation, making and selling fake and inferior products (garbage pigs, lean meat, water-injected meat), breach of contract, malicious default on payment for goods and so on occur from time to time. Are very common, seriously damaging the image of the industry.

1- 1-2 Malicious evasion of bank debts is serious. Especially below the county level, because the life cycle of animal husbandry enterprises or individuals is short, the concept of honest and law-abiding production and operation is weak, and the social cost of evading debts is not as high as that of large enterprises or well-known enterprises, so some unscrupulous enterprises or individuals take various methods to maliciously evade bank debts. This situation not only seriously affects the overall integrity image of enterprises in the industry, but also greatly dampens the enthusiasm of financial institutions such as society and banks for financial support.

1- 1-3 False financial information damages integrity. The financial management of enterprises or individuals in most industries is chaotic, the level is low, the production and operation and financial statements are incomplete and irregular, and the internal control management system is lax. Moreover, some enterprises or individuals have multiple sets of information statements for a certain purpose, and the financial information is seriously distorted and the awareness of information disclosure is poor, which makes it impossible for financial institutions such as society and banks to fully and truly understand and master the production and operation of enterprises or individuals, and it is difficult to conduct "three investigations" on loans and dare not easily provide them with credit and other support.

1- 1-4 inherent risk constraints in the industry. Industry enterprises or individuals have less fixed capital, insufficient congenital development, unstable production and operation, and can't make good use of financial leverage and operating leverage. Moreover, the investment is large, the income is low, and most of the production and operation are fresh agricultural and sideline products, with high market risk and low added value. It is difficult to find effective mortgage assets and corresponding guarantee units, which seriously restricts the financing work.

1-2 The financial system lacks vitality and its operation mode is dull.

1-2- 1 is influenced by four ways of bank loan marketing. At present, all kinds of banks and other financial institutions are collecting loan rights from grass-roots banks (institutes, departments and cooperatives), thinking that aquaculture has a long production cycle, great risks, heavy workload and low profits, and is unwilling to invest funds in animal husbandry. Therefore, in credit marketing, we always adhere to the principles of "one pressure" (pressing the scale of animal husbandry loans), "two mergers" (merging credit institutions), "three reductions" (reducing the number of animal husbandry credit personnel) and "four focuses" (key industries, key enterprises, key regions and key customers). This phenomenon has led to most agricultural loans being invested in state-owned enterprises such as cotton, grain, oil and vegetables. , virtually become the policy operation obstacle for animal husbandry enterprises or individuals to raise funds. For example, in 2002, there were 12 enterprises directly under the Animal Husbandry Bureau of our region, involving many projects such as provenance, breeding, feed, processing and distribution. Although they applied for loans many times, all kinds of banks in this area gave them zero loans.

1-2-2 is affected by the marketing cost accounting of bank loans. According to the survey, the frequency of loans by enterprises or individuals in animal husbandry is five times that of other large enterprises (transportation, energy, industry, etc.). ), and the loan amount per household is only 0.5% of these large enterprises, and the information cost and management cost of bank loans to each household are equal. Therefore, in the case of a certain amount of loans, the total loan cost of banks and other financial institutions to industrial enterprises or individuals is 5~8 times that of these large enterprises. Although the current policy stipulates that the loan interest rate for some small and medium-sized enterprises can rise by up to 30%, even so, the comprehensive financing cost for these small and medium-sized enterprises by financial institutions such as banks is still several times higher than that of large enterprises.

1-2-3 is influenced by the guiding ideology of bank operation. The guiding ideology of banks and other financial institutions does not put support for the development of animal husbandry in an important position, and it is also a factor that affects the financing difficulties of enterprises or individuals in the industry. Due to the profit-seeking nature of banks and other financial institutions, their pursuit of immediate interests and short-term profits is more serious. This leads to the person who gives you an umbrella in sunny days and takes it back in rainy days. He didn't really take timely measures to support enterprises, but sincerely looked for potential enterprises or individuals to achieve a win-win situation with their development and growth. It is difficult for industry enterprises or individuals to really get the attention and support of financial institutions such as banks. For example, 200 1, wild boar is in great demand in the market, and Wuhan businessmen have invested several hundred thousand yuan to establish a special wild boar farm. When a special wild boar processing project intends to borrow money from a bank, the bank requires the party to use its customers' deposits as collateral before going through the loan procedures. Fang saw that just looking at the pig and sighing, it was difficult. There are countless such examples in practice.

1-3 industries have few financing channels for enterprises or individuals. At present, due to the poor credit of enterprises or individuals in the industry, a vicious circle has emerged. Enterprises have less capital, insufficient original accumulation, less effective assets and less loans from banks and other financial institutions, so the bank acceptance bills drawn are limited. Therefore, there are few opportunities for timely and reasonable use of commercial credit. Needless to say, China's current policy does not allow domestic SMEs to use the securities market to issue stocks and corporate bonds to raise funds. In this case, most industries, enterprises and individuals have to turn to underground banks or private banks for high-interest financing when they are short of funds in the process of developing production and operation. For example, in 2002, leading private enterprises such as Wuhan Smart Poultry Company and Wuhan Jinfeng Animal Husbandry Company, with assets exceeding several million yuan, planned to expand the scale of production and operation under the favorable situation of obtaining the export order of Hong Kong poultry eggs and the production license of pollution-free green premix, and successively applied for loans of 300,000-400,000 yuan from financial institutions such as China Agricultural Bank, Agricultural Development Bank, China Construction Bank and China Industrial and Commercial Bank together with the animal husbandry authorities, all of which ended in failure. Later, under the questioning of local government leaders, the two companies only borrowed 50,000 yuan from credit cooperatives. In order to complete the contract on time, they had to raise 600,000 yuan from private hands at the interest of 2 cents per month to ensure the normal production and operation of the enterprise. According to the preliminary statistics of the regional poultry industry association at the end of 2002, there are 37 poultry-related enterprises in the whole region, and 39 large-scale fine layer breeders with more than 10,000 eggs, all of which are private enterprises with high interest financing 1.000%. These phenomena not only encourage the arrogance of illegal underground banks and credit companies, but also seriously endanger the domestic financial market order and affect the survival and development of animal husbandry.

2 Countermeasures to solve the financing difficulties of the industry

2- 1 Improve the integrity level of the industry as a whole. As the saying goes, doubt leads to both losses, faith leads to a win-win situation, and shame leads to courage. Good social integrity is an important guarantee for establishing and standardizing the market economic order, the direction of operation, the foundation of development and inexhaustible financial resources and motivation. Cultivating the quality of honesty is not a day's work, but an all-round work. Enterprises or individuals in the industry should rebuild the traditional virtues of the Chinese nation, standardize the disclosure system of production and operation information and accounting information, regard the construction of "integrity" as a major event for the survival and development of the industry, strictly establish the financing concept that it is not difficult to borrow first, actively cultivate and maintain a good credit environment, and promote the sustained and healthy development of the industry economy.

2-2 Establish a publicity system for honest management. Local governments and local banking associations should set up regional credit management institutions, coordinate credit evaluation and credit management, and promote the implementation of the security service strategy. Give support and rewards to honest enterprises and individuals, and punish relevant enterprises and individuals who don't stress honesty. The government, relevant departments, banks and other financial institutions, judicial departments and enterprises should jointly take action to establish a credit publicity system through meetings, newspapers, radio and television, and the Internet. , thus raising the cost of the lack of corporate credit, so that enterprises or individuals who fail to keep their promises become "rats crossing the street" and lose their foothold in the industry.

2-3 Establish various new safeguard mechanisms. On the one hand, local governments should raise funds from various sources to establish aquaculture development funds, and give timely support and encouragement to enterprises or individuals in urgent need of financing for the large-scale development of key projects such as green, environmental protection, safety, three excellent (excellent species, excellent technology and excellent feeding) benefits, so as to play a leading role in the local economy. On the other hand, it is necessary to provide corresponding financial guarantee for the normal financing of livestock enterprises or individuals. Animal husbandry enterprises or individuals should also unite with each other in financing and credit, and provide joint credit guarantee for various loans of financial institutions such as banks. Relevant state departments should actively study and introduce measures to encourage insurance companies to carry out credit insurance business for animal husbandry.

2-4 Financial institutions should innovate the concept of credit. Under the new situation of market economy, banks and other financial institutions at all levels should change their ideas, pay attention to the credit demand of local animal husbandry enterprises or individuals, conduct relevant loan intention surveys in time, give full play to the "link" and "catalyst" role of credit, and actively support aquaculture production, operation and processing projects with high technology content, good economic advantages and good development prospects. In credit management, we should dare to innovate, constantly adjust the credit service policy, establish a brand-new credit concept to balance income and risk, implement the strategy of managing brands and encouraging talents, and make continuous innovations in the form of mortgage and pledge of loans, such as outright purchase of accounts receivable, so as to improve market competitiveness.

2-5 Broaden financing channels in various ways. The state should formulate various policies and regulations, broaden the financing channels of animal husbandry, allow small and medium-sized aquaculture enterprises to raise funds through the securities market, and implement the same treatment as state-owned key large enterprises; Formulate preferential policies, reduce credit procedures and expand the amount of credit funds; Encourage animal husbandry enterprises and individuals to reduce capital demand through commercial credit.

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Summary of Investment Promotion Work of County Animal Husbandry Bureau

Since the beginning of this year, our bureau has regarded attracting investment as the top priority of economic work, concentrated on attracting investment and launching projects, and achieved remarkable results. From XX to XX, the reconstruction project 1 has a total investment of 5 million yuan.

I. Main Work Situation

(a) to further enrich the strength, increase investment. Our bureau has adjusted and enriched the leading group for attracting investment. In addition to performing their duties, the leaders of the leading group have also devoted their time and energy to attracting investment in industries and departments in charge. Township stations and secondary units also put investment promotion, investment promotion and investment promotion projects as the top priority of their work, put more than two-thirds of their energy into investment promotion, and take the coordination of investment promotion as one of the criteria for measuring and evaluating the achievements of each unit. At the same time, the Office of the Leading Group for Investment Promotion was established, which is responsible for overall planning, coordination and guidance of the overall investment promotion, strengthening the supervision of the investment promotion work of township stations and secondary units, and further increasing the intensity of investment promotion.

(two) fully mobilize the enthusiasm and truly implement the target responsibility system for attracting investment. First, the organization held an overall investment commendation meeting. On March 20th, the county bureau commended three advanced units and 10 advanced individuals who have made outstanding achievements in attracting investment, which greatly stimulated the enthusiasm of the whole system for attracting investment. The second is to issue the task indicators for attracting investment. That is, the leaders of each county bureau should introduce more than one project with an investment of more than 200 thousand yuan; Secondary units directly under the county level should introduce projects with an investment of more than 200,000 yuan 1 above; Township stations should introduce more than/kloc-0 projects, with an investment scale of 654.38+10,000 yuan.

(3) Innovative investment promotion methods. First, improve the way of attracting investment, adhere to the combination of "going out" and "please come in", and focus on attracting investment from Hong Kong, Macao and coastal areas of Jiangsu and Zhejiang. The second is to carry out targeted investment promotion activities, make use of our resource advantages and industry characteristics, and contact enterprises interested in animal husbandry in a targeted manner to attract merchants with preferential conditions. Third, carry forward the persistent spirit of attracting investment projects, keep an eye on projects, and make 100% efforts as long as there is 1% hope.

(4) Strengthening project coordination and services. First, strengthen contact with merchants, track projects and coordinate services to ensure the smooth progress of project negotiation, introduction, formalities, construction, production and operation; Second, actively investigate and understand the situation of enterprises and solve problems for enterprises and projects in time. We set up a special coordination leading group for the comprehensive office building construction project of the county bureau, headed by Comrade Chen Shaoping, deputy director in charge of the organ, to coordinate and deal with the problems in the construction process on behalf of our bureau, track the service throughout the whole process, and cooperate with the construction unit to handle the relevant planning and infrastructure procedures.

(5) Strengthen project leadership and implement the project responsibility system. The division of labor and arrangement of major projects in the first half and the second half of the year, the implementation of the project work target responsibility system, the establishment of leadership contact and responsibility unit system, regular and irregular major project analysis and research meetings, and increase the supervision of major projects.

Second, the existing problems

First, the work style and methods of some departments need to be improved. Individual units and departments do not provide timely follow-up services to projects, and punish and manage problems, and few really correct and find problems.

Second, the supporting construction of the project is not timely and effective, such as water, electricity and other supporting facilities can not be guaranteed in place in time for various reasons, so that the project can not start production on time.

Third, the land reserve of the project has not been implemented, and the land acquisition of a single project is difficult and takes a long time, which affects the implementation of the project.

Fourth, it is difficult for people whose land has been expropriated to work, and people often interfere with the project construction and affect the effective implementation of the project.

Fifth, the field of attracting investment needs to be broadened. The progress of attracting foreign investment in animal husbandry and service industry is slow and less, and the number, scale and quality of imported projects need to be improved. From the layout point of view, some towns and villages along the county and highway have made breakthroughs in attracting investment, while the rest have made slow progress.

Third, the next work plan

(1) Fully understand the importance of attracting investment and enhance the sense of urgency.

We should fully understand the current situation in our county and the opportunity to speed up development, seize the opportunity, take advantage of the situation, increase the work of attracting investment, and introduce more investors to our county to inspect and invest. Strengthening investment promotion plays an important role in accelerating economic development. The constantly developing situation puts forward new and higher requirements for attracting investment. Therefore, we should fully understand the importance of strengthening investment attraction, enhance the sense of urgency to speed up development, further emancipate our minds, intensify reform and opening up, regard investment attraction as the top priority of economic work and the important content of the work of all levels and departments, vigorously introduce foreign capital and projects, and push the investment attraction work of the whole system to a new climax.

(two) to strengthen the leadership of investment promotion.

The main leaders of all units should personally grasp the work of attracting investment as the first responsible person; The leading group should have a clear division of labor and spend two-thirds of its time and energy on attracting investment; All units should arrange certain funds for investment promotion activities in their own work funds, establish a lean and pragmatic investment promotion team, scientifically formulate investment promotion plans, and mobilize all sectors of society to participate in investment promotion. Strengthen the joint coordination of major projects. Unified planning, coordination and guidance for major investment projects, and regular or irregular investment promotion coordination meetings for major projects to solve practical problems. Regularly announce and evaluate the performance of attracting investment. Every quarter, we will check the completion of the investment promotion task indicators of each unit, regularly announce the number of investment promotion projects, the commencement of projects, the availability of funds and the implementation progress of each unit, and regard the investment promotion performance as the main indicator of the annual work assessment of each unit.

(3) Strictly implement the reward and punishment policies for attracting investment.

All units and people from all walks of life who have made contributions to attracting investment should be rewarded. Those who have made contributions in line with the reward conditions should conscientiously cash in their bonuses and declare their recognition according to relevant regulations. At the same time, according to the investment task index issued by the county government, the investment task is implemented, and the units and individuals with investment task index pay the responsibility deposit. For units and individuals that cannot complete the task indicators, the guarantee funds will not be returned as the overall investment funds. The responsibility deposit shall be collected by the accounting unit of the county bureau and stored in the special account.

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