开拓创新—破除“五大”困境

Beijing branch of agricultural bank for financial force of positive energy circle "beautiful Beijing" dream

- Beijing branch of agricultural bank's capital, urban and rural integration documentary support

Insist to do the capital economic backing, take the lead to the construction of key village inside city credit capital, the city village renovation project loan balance and proportion in the board first, bold innovation, establish the market for the first time as feasible financing options, won the "integration of urban and rural areas of Beijing ChongDianCun construction advanced unit" title... . In financial support to the capital in the process of the urban village transformation, agricultural bank of China Beijing branch to create a number of industry first, steady walk in the forefront.

Practice mission - funds into the construction of urban villages

"Here I am, life experience the He Cun village by a semi-rural areas' problems', becomes the modern new community. Before the village living environment is bad, narrow roads, potholes, muddy households to tap water, drainage, toilet is not complete, worried about gas in winter, hot and humid summer house, the environment is poor. Ok, now you see the tree in the garden, landscaping, every day I come here for a walk, the mood is particularly happy. Draft does not forget DaJingRen, we everyone thank you thanks to the government, the agricultural bank brought good news for us, I have a dream can ever imagine to live in capacious and bright buildings, so step into the threshold of the city." Town He Cun dongxiaokou village, changping district zhang wenlai excitedly told reporters.

Learned, Beijing urban-rural fringe areas prone to criminal cases, social security, 2010, the Beijing municipal government for overseeing nine area 50 villages, systems engineering, and the implementation for urban village reconstruction aims to improve residents' production and living environment, eliminate hidden dangers. According to understand, at that time, Beijing has nearly 90% of the floating population living in urban and rural copula, excessive concentration of population distribution of regional function entrance, medical care, education, social security, forms a major challenge. Visible, is the Beijing area for urban village reconstruction solve the safe, stable, maintain the public interests, a city of world city people's livelihood project.

Launch the major people's livelihood engineering need huge amounts of money. As a large public shareholding Banks in Beijing branch, Beijing branch of agricultural bank actively practice mission, social responsibilities, the financial positive energy into the construction of urban villages. It is understood that in 2010, the bank successively with the Beijing municipal government signed a land reserve two $100 billion cooperation agreement and south reconstruction, also with the integration of urban and rural areas of Beijing construction leading group signed a strategic cooperation agreement, commitment to provide 50 billion yuan of intentionality in 3 years credit line, this line alone accounts for nearly a quarter of total demand in city village reconstruction funds, this is the first time financial institutions to credit capital construction of key village in the city.

Agricultural bank funding in place effectively promote the urban village transformation process, especially the developers by the original "to build" (property) housing into a "first to build after the demolition," people see past his new, positive property compensation agreement. At present, the vast majority of the now-frail housing check-in housing for the villagers have been completed, and violent demolitions, good social repercussions.

City village renovation evictees compensation were obtained in millions of dollars, but the feast "demolition" overnight, let many transformation of farmers' traditional way of life and social values are huge impact, some "impulse buys" and some blind investment, some up the idle time, has brought the social unstable factors. The Beijing branch of agricultural bank releasing "QianXi benefit comprehensive financial services. It is understood that the service plan, is integrating protection, emergency, investment, according to different financial needs of farmers and exclusive personalized tailored financial solutions, including: intimate one-to-one exclusive high quality convenient service, simple, high level financial plans, broad investor education, such as rich content, to provide diversified financial services for farmers, actively guide their rational consumption, make the assets value.

Innovation - to break the "big five" dilemma

The reconstruction of urban villages construction area of 85.3 square kilometers, involving household population and the floating population of more than 120, ten thousand people, need to invest 230 billion yuan. But in the process of financing in commercial Banks, met "subject qualification is not strong", "its own funds shortage", "guarantee enough value", "profit model not clear", "legal procedure is not complete" and so on five big difficult problem, financial support city development encountered obstacles.

"The subject qualification is not strong. Only belongs to the level of land development, land urban villages by the state departments or agencies authorized by the competent department of land, authorization is very strict. When some financial situation is good for the unit with the village village to promote transformation, is set several village jointly pushing forward relative difference some, or the introduction of foreign development enterprises assist in advance. Their common problem is the main body qualification is weak, coupled with a 2010 credit tightening of financing main body qualifications are more strict, the main body establishment problems to be solved. That agbank through intensive research, defines the development main body is put forward for regional land reserve center, and quickly get the market identity of all parties concerned.

"Own" insufficient funds. According to the related policy, the land level development will take at least more than 30% of its own funds, by calculation, development main body about 66 billion self-owned capital, and this is a "fable" for the development main body's Numbers. Agbank carefully estimated, it is recommended that the relevant management department can approve urban village renovation project capital is not less than 20%. Similar projects in Beijing area, 20% of its own capital scale has been established for traffic market rules, the bank push creates reality, conform to the new standard of the situation.

"Collateral value is not enough. Match the large amount of money the full amount of the mortgaged property is a thorny problem, when the market is diverse, some institutions guarantee, some institutions use usufruct do pledge, some institutions to issue credit. Face all different practices, agbank has creatively put forward "land reserve loans", namely, relevant government departments to deal with land for demolition and land reserve has been proved that reserve card is actually for the establishment of land use rights, agricultural bank as a mortgage loan to the project. This innovative form of loan quickly recognized by other agencies and using for reference.

"Profit model not clear". Demolition projects to achieve sustainable business, in addition to the resettlement residents covers, green barriers, public facilities, covers an area of outside, still should have enough land can be used for market development, to realize the balance. Agricultural bank after consultation with the parties involved, finally determined, village can't since the balance of the project, can coordinate as a whole within the township, finally obtaining cash balance.

"Legal procedure is not complete. Urban village transformation area wide range is big, agbank's all sorts of proof required for project planning, project and construction the listed subsidiary, to assist in the development main body promote the project as soon as possible.

Through the innovation and practice, the Beijing branch of agricultural bank will fund timely, full specified amount injected into the city and countryside integration construction. As of the end of 2012, the bank has with fifty nine village is located area, all the purpose of establishing business relations, common to the eight districts in 17 villages renovation loans 21.4 billion yuan over the scale of urban village credit support, product innovation and service coverage all over the board first.

Responsibility - to continue contributing to the capital development

In the next few years, Beijing will intensify construction of the world city, start more comprehensive renovation project of urban villages, is expected to total investment in 500 billion yuan of above, the total funds will exceed 300 billion yuan. In addition, along with the extension of Beijing rail transit, to undertake from the city center as soon as possible evacuation of the population, the faubourgs (former renovation work will expand rapidly, this will create huge funding needs, preliminary estimate the size of the market in 100 billion yuan of above. Agricultural bank Beijing branch will be around the region urbanization development plan, the service tentacles extending to the two new market, and strive to provide a package of financial services, and strive to achieve complete coverage of urban village renovation business products.

The next step, the bank will strive to seize the "three key", full expansion of the capital's economic and social development, namely: key areas, pay close attention to Beijing's urban and rural construction development process, especially the fast-growing economies of tongzhou, shunyi, daxing, changping district; Key sectors, and support urban villages, the urban and rural integration, form a complete set of the south-north water diversion project and so on four big plate and small river regulation; Support key industries, advantage and characteristic, have strong base, promising, farmers driving force of agricultural industrialization leading enterprises development, completes the agricultural small and medium-sized enterprise financial services.

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