| Notice by the General Office of the China Banking and Insurance Regulatory Commission of Effectively Conducting the Key Work of Serving Agriculture, Rural Areas and Farmers by Banking and Insurance Sectors in 2020 | | 中国银保监会办公厅关于做好2020年银行业保险业服务“三农”领域重点工作的通知 |
| (No. 31 [2020] of the General Office of the China Banking and Insurance Regulatory Commission) | | （银保监办发[2020]31号） |
| All local offices of the China Banking and Insurance Regulatory Commission ("CBIRC"); all policy banks, large banks, and joint-stock banks; and all insurance (holding) group companies and insurance companies: | | 各银保监局，各政策性银行、大型银行、股份制银行，各保险（控股）集团公司、保险公司： |
| In light of the spirit of the Central Economic Working Conference and the Central Rural Working Conference, and in accordance with the Opinions of the CPC Central Committee and the State Council on Making the Key Work in Agriculture, Rural Areas and Farmers a Success to Ensure the Realization of Moderate Prosperity in All Respects, in 2020, banking and insurance sectors shall take Xi Jinping Thought on Socialism with Chinese Characteristics in a New Era as guidance, thoroughly implement the spirit of the 19th CPC National Congress and the Second, Third, and Fourth Plenary Sessions of the 19th CPC Central Committee, and focus on the task of making up for the weak area in agriculture, rural areas, and farmers. We shall provide more credit, raise the level of protection against risks, and help address major weaknesses in agriculture, rural areas, and farmers in building a moderately prosperous society in all respects to ensure the completion of the building of a moderately prosperous society in all respects on schedule, the successful conclusion of the 13th Five-Year Plan, and the winning of battles against poverty and risks. You are hereby notified of the relevant matters as follows: | | 根据中央经济工作会议和中央农村工作会议精神，按照《中共中央 国务院关于抓好“三农”领域重点工作确保如期实现全面小康的意见》工作部署，2020年银行业保险业要以习近平新时代中国特色社会主义思想为指导，深入贯彻党的十九大和十九届二中、三中、四中全会精神，围绕补齐“三农”领域短板等重点工作，加大信贷投入力度，提高风险保障水平，助力补齐“三农”领域全面建成小康社会的突出短板，确保如期全面建成小康社会、“十三五”规划圆满收官、打赢脱贫攻坚战和风险防控攻坚战。现就有关事项通知如下： |
| I. Strengthening the requirements for benchmarking policies and specifying the key areas of agriculture, rural areas and farmers served by finance | | 一、加强对标政策要求，明确“三农”金融服务重点领域 |
| 1. The efforts to strengthen areas of weakness in agriculture, rural areas and farmers shall be supported. The ability to serve rural revitalization by finance shall be enhanced, and a system of inclusive financial services for urban and rural areas shall be established. The medium- and long-term credit support for the construction of public infrastructure in rural areas shall be increased to enhance the water supply security, medical and health services and quality of education in rural areas, improve public cultural services and advance the governance of the living environment and ecological environment in rural areas. The functions and roles of insurance shall be used to strengthen social security in rural areas and help improve the systems of the basic medical insurance, critical illness insurance, and basic old-age insurance for urban and rural residents. | | （一）支持“三农”领域补短板。提升金融服务乡村振兴能力，探索建立城乡普惠金融服务体系。加大农村公共基础设施建设中长期信贷支持，提高农村供水保障、基层医疗卫生服务和教育质量水平，改善农村公共文化服务，推进农村人居环境和农村生态环境治理。发挥保险功能作用，加强农村社会保障，参与完善城乡居民基本医疗保险、大病保险和基本养老保险制度。 |
| 2. The effective supply of key agricultural products shall be ensured. The national strategy for food security to ensure farmers' basic gains from growing grain shall be supported. Development-oriented and policy-based financial institutions shall support the development of well-facilitated farmland in light of their functions and business scope, while commercial financial institutions shall increase their credit supply in terms of grain production, circulation, processing, importation and exportation, reserve and consumption and other links. The pilot program of full cost and income insurance for rice, wheat and corn shall be advanced. Financial services shall be effectively provided for animal husbandry, including the hog industry, so as to exploit the synergy between banks and insurers to stabilize the production of meat, eggs and milk and ensure the supply. Credit and insurance support shall be increased for the "vegetable basket" (non-staple food supply) project, and greater financial support shall be provided for the construction of cold-chain logistics facilities for storing and preserving agricultural products. | | （二）保障重点农产品有效供给。支持国家粮食安全战略，保障农民种粮基本收益，开发性、政策性金融机构要结合职能定位和业务范围支持高标准农田建设，商业性金融机构要围绕粮食生产、流通、加工、进出口、储备以及消费等各个环节加大信贷投放力度。推进稻谷、小麦、玉米完全成本和收入保险试点。做好包括生猪产业在内的畜牧业金融服务，发挥银保合力，推动肉蛋奶等稳产保供。要加大对“菜篮子”工程的信贷、保险支持力度，加强农产品仓储保鲜冷链物流设施建设金融支持。 |
| 3. The development of all types of agricultural business entities shall be promoted. Financial services shall be effectively provided for small farmer households to develop agricultural products with distinctive advantages, new industries and forms of business and for employment and entrepreneurship. The coverage of agricultural insurance for small farmer households shall be expanded. More credit shall be provided for rural industries that would enrich farmers to increase their operating income through multiple channels. Financial support shall be strengthened for the appropriately scaled-up operations of family farms and the development of cooperative operations. The credit support shall be increased for all types of specialized rural cooperatives. All kinds of people who are returning or moving to the countryside shall be supported in making innovations and starting businesses, and given preferential policies in terms of credit extension, loan renewal, and policies on the tolerance of non-performing loans. | | （三）促进各类农业经营主体发展。做好小农户发展特色优势农产品、新产业新业态以及创业就业金融服务。拓宽小农户农业保险覆盖面。加大富民乡村产业信贷投入，多渠道促进农民经营性收入增长。加强对家庭农场适度规模经营和发展合作经营的金融支持。加大对农村各类专业合作社的信贷支持力度。支持各类返乡入乡人员创新创业，在信贷投放、贷款展期和不良容忍政策等方面向返乡入乡创业企业倾斜。 |
| 4. The financial services for special groups shall be strengthened. Financial services shall be effectively provided to the disabled students and those with financial difficulties, and more student loans shall be extended. The financing policies for elderly-care institutions shall be improved. Wealth management products shall be supported in getting involved in the development of the third pillar of pension insurance. And support shall be provided to the development of commercial pension insurance products, pension security management products, pension financial products, trust products and other pension financial products. Commercial insurance institutions shall be supported in setting up elderly-care institutions or participating in their construction and operation, and the sources of insurance funds invested in the construction of elderly-care projects shall be appropriately expanded. | | （四）强化特殊群体金融服务。做好困难学生、残疾学生的金融服务，加大助学贷款投放力度。完善养老服务机构融资政策，支持理财产品参与养老保障第三支柱建设，支持开发商业养老保险产品、养老保障管理产品、养老型理财产品和信托产品等养老金融产品。支持商业保险机构举办养老服务机构或参与其建设和运营，适度拓宽保险资金投资建设养老项目资金来源。 |
| 5. Agriculture-related financial services during the COVID-19 prevention and control period shall be effectively provided. The demand for credit insurance in the field of agriculture, rural areas and farmers during the epidemic prevention and control period shall be accurately matched. The full supply of credit shall be guaranteed to ensure the supply of grain and important "vegetable basket" varieties. The financing support for public health infrastructure construction and health and epidemic prevention in rural areas shall be strengthened. The financial support shall be increased for the rural tourism affected by the epidemic, farming and breeding, and farm and sideline products production as well as the resumption of work and employment of migrant workers. Differentiated financial service measures shall be formulated. The loans extended to the hard-hit agriculture-related entities shall not be blindly withdrawn, cut off, or withheld. For those that have difficulty in repaying loans when such loans are due, an appropriate extension, deferment or concurrent funding shall be given, or other measures shall be adopted such as the efforts to adjust repayment and interest payment plan, cut loan interest rates, reduce service charges and increase the tolerance of non-performing loans. The advantages of the information resources of primary-level outlets of banking and insurance institutions shall be used to provide trading information and create trading opportunities for agricultural business entities and promote the matching of banks and enterprises and the cooperation between enterprises, so as to help agriculture-related entities survive the epidemic. | | （五）做好新冠肺炎疫情防控期间的涉农金融服务。精准对接疫情防控期间“三农”领域的信贷保险需求，足额保障粮食和重要“菜篮子”品种保供的信贷供给，加强对农村地区公共卫生基础设施建设、卫生防疫等方面的融资支持，加大对受疫情影响的乡村旅游产业、种植养殖业、农副产品生产以及农民工返工复工就业等金融支持力度。制定差异化金融服务措施，对受疫情影响较大的涉农主体不得盲目抽贷、断贷、压贷，对到期还款困难的适当予以展期、延期、续贷或调整还款付息计划，下调贷款利率，减免手续费及提高不良贷款容忍度等。发挥银行保险机构基层网点信息资源优势，为农业经营主体提供交易信息、创造交易机会，促进银企对接、企企合作，助力涉农主体渡过疫情灾害难关。 |
II. Strengthening the enabling of financial innovation and optimizing the services models of financial products for agriculture, rural areas and farmers
．．．．．． | | 二、加强金融创新赋能，优化“三农”金融产品服务模式
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