The first is to highlight the role of policy. The introduction of five regional credit policies reflects the policy orientation of the head office to increase credit supply to the “two districts”. There are great differences in the resource endowment characteristics of different agricultural production areas across the country. The Agricultural Bank actively follows up on the national “two districts” construction layout, and timely revised the five regional credit policies on the basis of finding out the characteristics of the customer groups in different regions and the characteristics of capital requirements. It is not only an important starting point for doing a good job in credit service of advantageous agricultural production areas, optimizing resource allocation, and adjusting credit structure, but also a specific measure for the Agricultural Bank to implement and support relevant national agriculture-related development plans.

The second is to enrich the credit policy system for “agriculture, rural areas and farmers”. The 13 agricultural-related credit policies previously issued by the Agricultural Bank of China are mainly focused on the processing links. The five regional credit policies revised this time focus on industries such as crop farming and aquaculture, while taking into account the circulation industry and processing industry. It has played a useful supplement and perfection for the construction of the “three rural” credit policy system. So far, the Agricultural Bank has basically formed the "three-in-one" differentiation of the "three-in-one" based on the guidance of the annual three-agricultural credit policy, the agriculture-related industry credit policy and the special credit policy, and the differentiated regional credit policy. Credit policy system.

The third is to indicate the direction of credit structure adjustment. The five regional credit policies have clearly defined the business development direction and marketing expansion focus from key regions, customers and projects. At the same time, they also target farming farmers, agricultural machinery professional households, rural brokers, planting (farming) enterprises, and leading enterprises in circulation links. The basic customer groups such as leading enterprises in production and processing have formulated differentiated customer access standards and support policies, which have pointed out the direction for the Agricultural Bank to support the structural reform of agricultural supply side, promote the development of new agricultural business entities, and optimize the credit structure of “agriculture, rural areas and farmers”. And measures.

The fourth is to strengthen risk prevention and control. The five regional credit policies put forward specific management requirements for tracking research, mapping ecological maps, preventing natural disasters, strengthening loan management, and monitoring and analyzing, and combining risks in industries such as grain, cotton, flowers, apples and tobacco. The characteristics have been formulated with targeted risk prevention and control measures to ensure the sustainable and healthy development of credit business in advantageous agricultural production areas.

In the next step, the Agricultural Bank will take the opportunity of introducing five regional credit policies to further increase the credit supply of advantageous agricultural production areas, and provide strong support for safeguarding national food security and developing modern agriculture.