改革開放以來指導“三農(nong)”工作的(de)(de)第18份中央一(yi)號(hao)文件近日由(you)新(xin)華社受(shou)權(quan)發布。這份題(ti)為《關(guan)于落實(shi)發展新(xin)理念加快農(nong)業現代(dai)化實(shi)現全面小(xiao)康目(mu)標的(de)(de)若干(gan)意見》重點(dian)強(qiang)調(diao)要推動金(jin)融資源更多(duo)向農(nong)村(cun)傾斜，加快構建(jian)多(duo)層次、廣(guang)覆蓋、可(ke)持續的(de)(de)農(nong)村(cun)金(jin)融服務(wu)體(ti)系(xi)，發展農(nong)村(cun)普(pu)惠金(jin)融，降低融資成本，全面激(ji)活農(nong)村(cun)金(jin)融服務(wu)鏈(lian)條。

　　銀行業：

　　進一步改(gai)善存取款、支(zhi)付等基本金(jin)融服(fu)務(wu)。穩定農(nong)村信用社縣域(yu)法人地位，提高治理水平和(he)服(fu)務(wu)能(neng)力。開(kai)展農(nong)村信用社省聯社改(gai)革(ge)試點，逐(zhu)步淡(dan)出行政(zheng)管理，強化服(fu)務(wu)職能(neng)。鼓勵(li)國有和(he)股份制金(jin)融機構(gou)拓展“三農(nong)”業務(wu)。 創新村鎮(zhen)銀行設立模式，擴大覆(fu)蓋面。

　　1.中國(guo)農業(ye)銀(yin)行：深化三農金(jin)融事(shi)業(ye)部改(gai)革，加大“三農”金(jin)融產(chan)品創新(xin)和(he)重點領域信貸投入(ru)力(li)度。

　　2.國家(jia)開發銀行：發揮(hui)優勢和作用(yong)，加強服務“三農”融(rong)資模式創新。

　　3.中國郵(you)政(zheng)儲蓄銀行(xing)：建立三(san)農金融事業部，打造專(zhuan)業化為農服務體(ti)系。

　　保險業：

　　完(wan)善(shan)農(nong)(nong)業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)制(zhi)(zhi)(zhi)度(du)。把農(nong)(nong)業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)作為支(zhi)持(chi)(chi)農(nong)(nong)業的重(zhong)要手段，擴大農(nong)(nong)業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)覆(fu)蓋面、增加保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)品(pin)(pin)種、提(ti)高風險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)障(zhang)水平。積(ji)極開發(fa)適應新(xin)型農(nong)(nong)業經營主體需求(qiu)的保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)品(pin)(pin)種。探索(suo)開展重(zhong)要農(nong)(nong)產品(pin)(pin)目標(biao)價(jia)格保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)以及收入保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、天(tian)氣指(zhi)數保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)試點。支(zhi)持(chi)(chi)地方發(fa)展特(te)色優(you)勢農(nong)(nong)產品(pin)(pin)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、漁業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、設施農(nong)(nong)業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。完(wan)善(shan)森林(lin)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)制(zhi)(zhi)(zhi)度(du)。探索(suo)建立農(nong)(nong)業補貼、涉農(nong)(nong)信貸、農(nong)(nong)產品(pin)(pin)期(qi)貨和(he)農(nong)(nong)業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)聯(lian)動(dong)機(ji)(ji)制(zhi)(zhi)(zhi)。積(ji)極探索(suo)農(nong)(nong)業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)單(dan)質押貸款和(he)農(nong)(nong)戶信用保(bao)(bao)(bao)證保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。穩步(bu)(bu)擴大“保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)+期(qi)貨”試點。鼓勵和(he)支(zhi)持(chi)(chi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)資金開展支(zhi)農(nong)(nong)融資業務創新(xin)試點。進一步(bu)(bu)完(wan)善(shan)農(nong)(nong)業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)大災(zai)風險(xian)(xian)(xian)(xian)分(fen)散機(ji)(ji)制(zhi)(zhi)(zhi)。

　　其他金融業：

 　　穩定農村信(xin)用社(she)縣域(yu)法(fa)人地位，提高(gao)治(zhi)理水平和服(fu)務能力。

　　開展(zhan)農村信(xin)用社(she)省聯(lian)社(she)改革試點，逐步(bu)淡出行政(zheng)管(guan)理，強(qiang)化服務職能。

　　創新(xin)村(cun)鎮銀(yin)行設立模式(shi)，擴大覆蓋面。

　　引(yin)導互聯網金(jin)(jin)融(rong)、移動金(jin)(jin)融(rong)在農村規范發(fa)展(zhan)。

　　擴大在農(nong)民合作(zuo)社內部(bu)開(kai)展信(xin)用合作(zuo)試點的范圍，健全風險(xian)防范化解機制，落實地(di)方政府監管責(ze)任。

　　開展農村金融綜合改革試(shi)驗，探索創新(xin)農村金融組織和(he)服(fu)務。

　　發展農村金(jin)融租(zu)賃業務。

　　在風險可控前(qian)提下，穩妥有(you)序推進農(nong)村承包土地的經營權(quan)和(he)農(nong)民住(zhu)房財(cai)產權(quan)抵押貸款(kuan)試點(dian)。

　　積極發展(zhan)林權抵押貸(dai)款。

　　創設(she)農(nong)產(chan)品期貨品種，開展(zhan)農(nong)產(chan)品期權試(shi)點(dian)。

　　支持涉農企業(ye)依托多層次資本市(shi)場(chang)融資，加大(da)債券市(shi)場(chang)服(fu)務“三(san)農”力度。

　　全面推(tui)進農村信用體系建設。

　　加快建立“三農(nong)”融(rong)資擔保體(ti)系。

　　完善中央(yang)與地方雙層金融監(jian)管機制(zhi)，切實防范農村(cun)金融風險。

　　強化(hua)農村金融消費者風(feng)險教育和(he)保護。

　　完善“三農(nong)”貸(dai)款統計，突出農(nong)戶貸(dai)款、新型農(nong)業經(jing)營(ying)主體貸(dai)款、扶貧貼息貸(dai)款等。更多最新互聯網金融、產業分析報(bao)告、行(xing)業市場(chang)分析信息請查閱發布(bu)的《》。