Want to lend to farmers, banks are also entangled

Mr. Nguyen Thanh Tan, owner of Thanh Tan eel farm (Vinh Long) said that in 2019, Thanh Tan eel farm earns a profit of 2 billion VND on revenue of 5 billion VND, expected in 2020, revenue will reach 10 billion VND. copper. Although the market demand is very large, the farm only meets 1% of the customer demand, but Mr. Tan cannot expand production due to lack of capital.

Mr. Nguyen Thanh Tan, owner of Thanh Tan eel farm (Vinh Long)
“Banks are willing to lend but still require collateral. Meanwhile, my land assets are mostly leased land, so when appraised, the value of the assets for lending is not large, the loan amount cannot meet the demand, ”said Mr. Tan.

In the same situation, Ms. Tran Thi Thanh Thoan in Do Quan village, Moc Quan commune, Duy Tien town (Ha Nam) expressed her feelings because she had invested a lot of assets on land such as greenhouses, cage houses ... but Can't use this property as a bank mortgage.

All you need to look for today: биткоин на приват

Banks are also entangled

Ms. Pham Thi Thanh Tung - Head of Credit Department of Agriculture, Credit Department for Economic Sectors, State Bank (SBV) said, Decree 116/2018 / ND-CP on credit policy for agriculture allowed businesses and farmers to use investment assets from mortgage loans to borrow money from banks. However, this property must have a certificate of ownership of the property on the local agricultural land, from which to register for a security transaction to obtain a loan. This is also a problem and difficulty for banks in lending activities for the high-tech sector.

Regarding how to make business households in the hi-tech agricultural sector access preferential capital, Ms. Tung shared, concessional loans are capital raised by banks from within. people. Thanks to cost reduction, banks have conditions to provide preferential loans. Loan consideration falls under the authority of credit institutions. In particular, the appraisal credit institutions give priority to assess whether the hi-tech agricultural project is feasible, whether there is a plan to repay loans to the bank or not, in particular, the production facility must have If the project is feasible, let the bank manage the cash flow, the bank will dare to disburse.

"High-tech agricultural production must confirm its long-term, scale and production method. However, in reality, these agricultural models and projects are not many, so when considering lending In order to ensure the risk for the bank, the banks have to require businesses and farmers to prove their cash flow.For example, the project has stable consumption contracts, the project owner must open an account. At banks to borrow capital so that banks can control the cash flow of new businesses with preferential lending facilities ", Ms. Tung emphasized.

On the bank side, Mr. Pham Toan Vuong, Deputy General Director of Agribank admitted, the mortgage problem is facing many shortcomings, not only the borrower is difficult but the bank itself is also difficult. Although the State Bank has issued regulations to remove problems and regulations on collateralized collateral, it is not specific and has many shortcomings in its implementation.

Mr. Pham Toan Vuong, Deputy General Director of Agribank
"In general, the banking sector, facing unsecured lending, still has many problems despite the open policy mechanism. Agribank wants to remove to the end the collateralization of assets to create conditions for farmers and businesses. Currently, Agribank has the right to provide unsecured loans, with nearly 300,000 billion of unsecured loans, but in order to provide mortgage loans, apart from unsecured assets, production plans must be implemented feasibility ", Mr. Vuong expected.

Continue to promote loans for high-tech agriculture

According to Vuong, Agribank currently has a lot of capital and is making efforts to lend to the agricultural sector, especially high-tech agriculture through a preferential loan program of 100,000 billion VND for the agricultural sector. high-tech industry.

It is known that the State Bank of Vietnam has a priority policy to direct credit flows to high-tech agriculture. Firstly, the policy of borrowing without collateral is up to from 100 million VND to 03 billion VND, from 70% to 80% of the project value, production and business plans for cooperatives and enterprises applying technology. high.

Second, a more preferential policy on interest rates: The State Bank has issued a separate decision directing commercial banks to spend about 100,000 billion dong for loans at rates that are 1-1.5% lower than normal lending rates. year for organizations and individuals that meet the criteria of hi-tech application agriculture, clean agriculture according to the regulations of the Ministry of Agriculture and Rural Development.

Especially, from the beginning of 2020 up to now, the State Bank has reduced the ceiling interest rate for short-term loans in VND 03 times for priority areas, currently the maximum interest rate for agricultural loans applying high technology is only 4, 5% / year - much lower than the others and the lowest ever.

Results of the implementation of the loan program to encourage the development of agriculture using high technology, clean agriculture under the Government's Resolution 30 / NQ-CP (the program of VND 100,000 billion): Up to now, accumulated loan sales about 65,000 billion VND (reaching 65%), balance