Over the years, the City Agricultural Promotion Fund has helped thousands of households borrow capital to develop production and become rich. However, in the process of implementing the fund, there are still many difficulties and obstacles.
Director of Van Duc Agricultural Production and Service Cooperative (Gia Lam district) Nguyen Van Minh said that without large capital, the cooperative cannot invest in buying agricultural products for farmers during the harvest season, and cannot maintain operations according to the production and business plan.
Therefore, departments and branches need to advise the City to supplement loan capital for the Agricultural Promotion Fund and increase the loan limit so that cooperatives investing in high-tech applications can access this preferential loan source.
Sharing the same view, Director of Thanh Oai District Agricultural Service Center Nguyen Van Khiem shared: due to the regulations of the Agricultural Extension Fund, which only lends for working capital (seeds, food, materials, machinery), not for infrastructure development, most households borrow for livestock and aquaculture.
In addition, no high-tech agricultural model has received loans because the loan limit is very low compared to investment in infrastructure of high-tech agricultural models (no more than 500 million VND/project).
According to Nguyen Duy Nam, Head of the Agricultural Extension Fund Management Department (Hanoi Agricultural Extension Center), loan applications must go through many procedures, and the time to complete the mortgage application of some households is prolonged, affecting the disbursement progress. Many households are having trouble mortgaging assets to borrow capital because the residential land price frame is very low, some households even have to mortgage up to 2 plots of land to meet the loan requirements.
It is worth mentioning that in the new situation, the subjects with demand for loans to develop production are very diverse, many industries using rural labor are not eligible to borrow capital from the Agricultural Promotion Fund because they are not in the group of subjects eligible for loans according to regulations. In addition, the short term of land lease for production affects the production investment of households when accessing capital from the Agricultural Promotion Fund.
The actual implementation process shows that the Regulation on management and use of the Agricultural Extension Fund issued together with Decision No. 142/2007/QD-UBND dated December 10, 2007 of the Hanoi People's Committee has revealed a number of shortcomings and limitations that affect the effectiveness of the Agricultural Extension Fund's operations. Specifically, there are limitations in the scale and borrowers of the Agricultural Extension Fund; regulations on the organization of the apparatus, policies and regimes for specialized staff and staff concurrently working at the Agricultural Extension Fund are not specific.
Meanwhile, the organizational structure of the Agricultural Extension Fund has changed due to the transfer of Agricultural Extension Stations to the People's Committees at district and town levels regarding the pilot establishment of Agricultural Service Centers. The Agricultural Extension Center must complete the Sub-committees of the District and Town Agricultural Extension Fund, and the management of the Agricultural Extension Fund therefore also faces certain difficulties.
Source: https://kinhtedothi.vn/hoat-dong-quy-khuyen-nong-con-nhieu-kho-khan.html
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