Chen Guoqiang, the deputy head of the township, saw Yue Haohan and his girlfriend Cheng Ziying making love in the office, and hurriedly turned around and left, Yue Haohan and Cheng Ziying in the room did not notice Chen Guoqiang passing by at the door of the office at all, the two were intimate for a while, and Cheng Ziying sat down on the sofa next to him.

Yue Haohan poured Cheng Ziying a cup of tea and asked, "Ziying, isn't the financial minister of the company that Meixia brought this time from Jianghan?" How can I look at Tong Xiaohui looks a little similar, and he speaks with an accent from Western Sichuan Province. “

Cheng Ziying said: "When we met in the afternoon, I forgot to introduce to you, Li Xiaoju is Xiaohui's sister, who only graduated from the Sichuan Provincial College of Finance last year, and studied accounting, which was introduced to the company by Xiaohui. “

Yue Haohan said: "No wonder it is so similar to Xiaohui, I thought it was Xiaohui's sister at first." ”

Cheng Ziying said: "That's right, vast, Xiaoju told me and Meixia one thing, said that there is a working capital to support agriculture in the finance, and the interest is very low, I have considered, if this is the case, we will not invest too much in building a bamboo products factory. “

Yue Haohan said: "I don't know much about these, I immediately notified Hou Township Chief and Finance Director Hou Yuhong to come over to understand the scope of application of the financial support for agriculture revolving funds, loan procedures, etc., if it is in line with the policy, borrowing money to build a factory is of course a good thing." ”

After speaking, Yue Haohan picked up the phone on the desk, called the finance office, and asked the director Hou Yuhong to come to the office to report the relevant situation of the financial support for agricultural working capital; Then he called the township chief Hou Ximing.

After Yue Haohan finished calling, Cheng Ziying said: "Haohan, I won't disturb your work, I will go and let Meixia and Xiaoju come over to listen, if you really want to borrow financial working capital in the future, it will be the two of them to operate." ”

Cheng Ziying left for a while, the township chief Hou Ximing came over, Yue Haohan got up and poured a cup of tea for Hou Ximing and put it down, and said: "Township Chief Hou, I called you here to listen to Hou Yuhong, director of the financial department, report on some relevant policies of financial support for agriculture revolving funds. ”

Hou Ximing said: "I still have a certain understanding of the financial support for agricultural revolving funds, but I don't know how to use them and those scopes, I just know that several township enterprises in Shijiawan Town are all run by borrowing financial working capital." ”

The two were chatting, and Hou Yuhong, the director of the Finance Department, came in with a notebook in his hand, smiled and nodded to Yue Haohan and Hou Ximing, and said, "Secretary Yue is good, and Township Chief Hou is good!" Yue Haohan pointed to the sofa and said, "Sit, pour your own tea and drink." ”

Hou Yuhong picked up the boiling water bottle next to the desk, first refilled Yue Haohan and Hou Ximing's cups, then took the disposable cup, poured himself a cup, and then sat down on the sofa.

After Hou Yuhong sat down, Yue Haohan opened his mouth and asked, "Director Hou, what's the matter with the financial support for agriculture working capital?" Township Chief Hou and I don't know much about this policy, so you can tell us about it. ”

Hou Yuhong replied: "The working capital of the financial support for agriculture is a paid fund for the state to support agricultural production and rural economic development in the form of financial credit, and it is an important part of the financial support for agriculture. The financial support for agriculture revolving funds shall be distributed, recovered and managed by the agricultural financial management institutions of the financial departments at all levels; The financial support for agriculture revolving funds entrusted to the competent departments shall be arranged, distributed and recovered by the competent departments. Management is equivalent to a bank loan, but it has a certain practical range, and the interest rate, usually called the occupancy fee, is much lower than the bank loan rate. ”

Yue Haohan listened, opened the notebook on the desk and recorded, and after Hou Yuhong paused, Yue Haohan raised his head and asked, "Then how are these funds raised?" Each level of finance is there? ”

Hou Yuhong replied: "There are six main sources of financial support for agriculture, one is the paid use of the various financial support funds arranged in the budget of the current year and carried over from the previous year; Second, the part of the funds arranged by the financial departments at all levels to support agriculture arranged by the mobile finance office is used as a part of the paid turnover; the third is the part of the loss withdrawal of agricultural reclamation enterprises and the transfer of profits to the working capital of financial support for agriculture; Fourth, the financial departments at all levels shall transfer the income obtained by the subordinate rural institutions from carrying out diversified operations and paid services to the part of the financial working capital for supporting agriculture by deducting the appropriation of operating expenses reduced by income and expenditure; Fifth, the part of the income from the occupation fee of the financial working capital for supporting agriculture is transferred to the financial working capital fund for supporting agriculture; Sixth, other paid funds used to support agriculture. ”

Hou Yuhong concisely explained the source channels of financial support for agricultural turnover in one breath, Yue Haohan and Hou Ximing looked at Hou Yuhong with satisfaction and nodded, and praised Hou Yuhong's business quality.

Yue Haohan finished recording in his notebook, looked at Hou Yuhong, and continued to ask: "Who are the objects of financial support for agricultural turnover?" ”

Hou Yuhong took a sip of tea with a cup in her hand and replied: "The objects of financial support for agricultural revolving funds are rural cooperative economic organizations, rural collective enterprises, other rural cooperative economic organizations, and state-run agriculture that implement independent economic accounting, including agriculture, agricultural reclamation, animal husbandry, aquatic products, agricultural machinery, water conservancy, meteorology and other enterprises and institutions. Individual economic development can also be applied, but there are certain restrictions on the amount of borrowing. ”

Yue Haohan and Hou Ximing both listened very carefully, listening and taking notes, seeing that Hou Yuhong finished answering and did not speak again, the township mayor Hou Ximing asked: "Then what is the scope of use of this financial working capital to support agriculture?" Be specific. ”

Hou Yuhong replied: "The scope of use of the financial support for agriculture revolving funds mainly includes four major parts, one is planting and aquaculture. The second is the popularization and application of new agricultural technologies. The third is the construction of a socialized agricultural service system. Fourth, the processing of agricultural and sideline products and the use of other local resources in the industrial and sideline industries. ”

Speaking of this, Hou Ximing said: "Don't say it so generally, you say be careful, what are the specific parts of the four major parts of the scope of use?" ”

Hou Yuhong said: "The planting industry mainly includes the planting of grain crops, cash crops, seedlings, economic forests, vegetables, etc., as well as the development of cultivated land, land improvement, plastic film mulching, greenhouse construction and the purchase of agricultural machinery and equipment for planting. Aquaculture mainly includes large livestock, poultry and livestock, aquaculture and other aquaculture industries, as well as the purchase of mechanized breeding facilities. The promotion and application of new agricultural technologies mainly include the promotion of new technologies for the cultivation of grain and cash crops, seed renewal and new agricultural technologies; There are many new varieties of livestock, poultry, fish, etc.: the experiments and popularization of agriculture, agricultural machinery, animal husbandry, forestry, water conservancy, etc., carried out by agricultural technology extension stations at all levels, as well as the purchase of necessary equipment and instruments for this purpose. ”

When Hou Yuhong said this, she took two sips of tea from her teacup, moistened her throat, and continued: "Supporting the construction of an agricultural socialized service system mainly includes the construction of projects that provide farmers with whole-process services before, during and after production, as well as a series of comprehensive service projects integrating technology, trade, industry and agriculture, and one-stop production, supply and marketing. Supporting the processing of agricultural and sideline products and the use of other local resources in the industrial and sideline industries mainly includes deep processing projects using agricultural and sideline products as raw materials, as well as industrial and sideline projects carried out by using local natural elimination. ”

After Yue Haohan finished recording, he picked up the cup on the desk, took a few sips of tea, and then asked: "Director Hou, then tell me, if Meiying Investment Company builds a bamboo products processing factory in our township, can they borrow the financial support for agricultural revolving funds?" ”

Hou Yuhong replied: "Of course, investing in the establishment of a bamboo products factory belongs to the industrial and sideline industry that uses the local bamboo and wood resources in our Guihuaping Township, and belongs to the object of the financial support for agricultural revolving funds." ”

was talking, Wu Meixia followed Li Xiaoju over, Yue Haohan and the three of them got up and let Wu Meixia and the two of them into the office to sit down, Hou Yuhong got up and poured tea for Wu Meixia and Li Xiaoju, Yue Haohan smiled and said: "Mr. Wu, I and Township Chief Hou are listening to our Director Hou give us a lesson, or you two also sit down and listen, it is beneficial, you need funds to develop, but where does the funds come from?" We need to look at it at the policy level. ”

After waiting for Hou Yuhong to pour the tea and sit down on the sofa, Yue Haohan asked: "Director Hou, let's continue, let me ask you, is there any provision for the use period of this financial working capital to support agriculture, and how long is it?" ”

Hou Yuhong replied: "There are regulations, and the term of use is determined according to different industries, such as planting and aquaculture, and the support period is generally one to three years. For newly planted economic forests and projects with long production cycles, low returns and good social benefits, it can be appropriately relaxed to four to five years. The period of support for the promotion and application of new agricultural technologies is generally one to three years. The period of support for pre-production, production, and post-production service projects for agricultural production is generally one to three years. Agricultural and sideline products processing industry and industrial and sideline projects using other local natural resources: the support period for technological transformation and equipment renewal is generally one to two years; For new processing projects, it is generally two to four years. If Mr. Wu's bamboo products processing factory needs to borrow financial support for agricultural revolving funds, the term can reach up to four years. “

After Hou Yuhong answered, Wu Meixia interjected and asked: "Director Hou, what is the specific procedure for borrowing financial working capital?" Do you go to your finance office and apply for it directly after setting up an IOU? ”

Hou Yuhong replied: "Mr. Wu is right, all units that apply for borrowing financial support for agriculture revolving funds must truthfully fill in the "application card for financial support for agriculture revolving fund projects", implement "one card for one item", and submit it to the financial department at the same level for examination and approval along with the application report. To borrow the working capital of the financial support for agriculture, the working capital loan contract must be signed in accordance with the regulations, and the responsibilities of all parties must be clarified; Implement a guarantee system to ensure the recovery of working capital at maturity. The working capital of financial support for agriculture shall be managed at different levels according to the division of the financial system and financial relations. Who distributes, who recycles, who borrows, who returns. ”

After Hou Yuhong answered Wu Meixia's question, Yue Haohan asked again: "I forgot to ask a key question, how is the interest on the financial support for agricultural turnover stipulated?" Are interest rates high? ”

Hou Yuhong opened the notebook, looked at a form pasted behind it, and replied: "All units that borrow the working capital of financial support for agriculture must pay the capital occupation fee according to the regulations, and the deferred repayment of the loan should be charged for the extension of the occupation fee, and the occupation fee I said is the interest mentioned by Secretary Yue." The occupancy fee is calculated on a monthly basis, and the planting project is 1.8‰; 2.7‰ of pre-production, production and post-production services for aquaculture and feed agricultural production; processing items with supplied materials 2.1‰; 1.8‰ for the promotion and application of new agricultural technologies; 2.7‰ of pre-production, production and post-production services for agricultural production; Agricultural and sideline products processing industry projects 3.3‰-3.9‰. Among them, the loan period is less than one year, including one year, 3.3‰; 3.9‰ for a loan period of more than one year; Other industrial and sideline projects 4.2‰-4.8‰. Among them, the loan period is less than one year, including one year, 4.2‰; 4.8‰ for loans with a loan period of more than one year. ”

After Hou Yuhong finished reporting, Yue Haohan glanced at Township Chief Hou Ximing and said: "Township Chief Hou, we are still worried about high development every day and have no funds, and we have not made good use of such a good fund use policy, it's a pity!" ”

Hou Ximing said: "Yes, I only knew that there was this fund before, but I didn't know the specific policy, but today Director Hou taught us a lesson and benefited a lot!" Sighing, Hou Ximing asked Hou Yuhong again, "Director Hou, how big is the stock of our township's financial support for agricultural working capital?" ”

Hou Yuhong replied: "In my heart, the task assigned to us last year was 10 million, and we only distributed 4 million, and we did not complete the task, and this year's task given by the county is 12 million, plus the balance of 6 million last year, our township now has 18 million stranded in the account of the working capital for supporting farmers." ”

Hearing the figures reported by Hou Yuhong, Yue Haohan said: "In the future, we must make rational use of funds, especially the use of financial support for agricultural revolving funds, and we must study the projects well and effectively distribute them, so that these funds can become a powerful driving force for the economic development of our Guihuaping Township." ”