Beijing News (Reporter liuyong, Wei Xing) On March 5th, CPC The Politburo Standing Committee (PSC) and Li Zhanshu, Chairman of the Standing Committee of the National People’s Congress came to his Jiangxi delegation to discuss the government work report with the delegates.

　　Yang Zhenwu, Secretary-General of the Standing Committee of the 13th National People’s Congress, Shen Chunyao, vice chairman of the Constitution and Law Committee of the National People’s Congress and director of the Legal Affairs Committee of the Standing Committee, and Shi Yaobin, vice chairman of the Financial and Economic Committee of the National People’s Congress and director of the Budget Committee of the Standing Committee, attended the meeting to listen to the deliberation opinions.

　　Liu Qi, secretary of the provincial party committee, director of the Standing Committee of the Provincial People’s Congress and head of the Jiangxi delegation, presided over the meeting. Yi Lianhong and Xin Chunying participated in the deliberation.

　　At the meeting, the delegates spoke actively and the atmosphere was lively. Li Zhanshu listened carefully to the speech, (continued from the 7th edition) (continued from the 1st edition) and communicated with you from time to time. Li Zhanshu said that Premier Li Keqiang’s government work report adhered to the guidance of the supreme leader Socialism with Chinese characteristics Thought in the new era, based on the new stage of development, implemented new development concepts, and built a new development pattern, which ran through the theme of high-quality development, responded to people’s expectations, and fully agreed with this report.

　　Li Zhanshu said that the past year was extremely extraordinary and difficult in the history of our party and country. Faced with the rare risk challenges in the world, the CPC Central Committee with the Supreme Leader as the core strategized, took the lead in the crisis, opened a new game in the changing situation, made great strategic achievements in epidemic prevention and control, made great historical achievements in building a well-off society in an all-round way, and won an all-round victory in the decisive battle against poverty, handing over an answer that was satisfactory to the people, attracted worldwide attention and could go down in history.

　　Li Zhanshu pointed out that in the 100-year historical journey of the Communist Party of China (CPC), this period since the 18th CPC National Congress can be said to be one of the most brilliant stages in the history of the Chinese nation. The course of struggle since the 18th National Congress of the Communist Party of China has made us more deeply realize that the ruling level of the ruling party and the top leaders of the party is very important, and the national system and governance system are very important. Let’s realize more deeply that the decisive role is that the CPC Central Committee with the Supreme Leader as the core has played the role of raising the flag, guiding and steering when the crisis and the storm hit.

　　Li Zhanshu hoped that Jiangxi would always follow the correct direction guided by General Secretary of the Supreme Leader, strengthen the "four consciousnesses", strengthen the "four self-confidences" and achieve the "two maintenance", and strive to achieve a good start in the 14th Five-Year Plan. First, learn and make good use of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era in connection with Jiangxi’s actual system, and turn it into a powerful driving force to guide practice and promote work. Second, based on the new development stage, implement the new development concept, build a new development pattern, set an example in accelerating the high-quality development of the old revolutionary base areas, and strive for the first place in promoting the rise of the central region. The third is to do a good job in consolidating and expanding the achievements of poverty alleviation and effectively connecting with rural revitalization, so as to make the foundation of poverty alleviation more stable and the results more sustainable, and make new achievements in comprehensively promoting rural revitalization. The fourth is to make good use of Jiangxi’s rich red resources and carry out the study and education of party history. Fifth, adhere to the party’s leadership, the essential feature and the greatest advantage of the people’s congress system, and do a good job in the work of local people’s congresses in the new era.

　　Li Zhanshu emphasized that the draft decision on improving the electoral system in the Hong Kong Special Administrative Region submitted to the General Assembly for deliberation is in line with the Constitution and the Basic Law of Hong Kong, and is in line with the fundamental and long-term interests of Hong Kong, and will certainly be supported by people of all ethnic groups in China, including Hong Kong compatriots.

　　Liu Qi pointed out that the government work report has fully implemented Socialism with Chinese characteristics Thought of the Supreme Leader in the new era, summed up the achievements in a realistic, comprehensive and objective manner, focused the deployment work, and took effective measures, which fully demonstrated the country’s perseverance in fighting the epidemic under the strong leadership of the CPC Central Committee with the Supreme Leader as the core, comprehensively demonstrated the fruits of steady progress and high-quality development, and vividly interpreted the ambition of sticking to the initial heart and unremitting struggle. It is a good report holding high the banner and carrying out reform and innovation.

　　Liu Qi pointed out that in the past year, the CPC Central Committee with the Supreme Leader as the core United and led the whole party, the whole army and the people of all ethnic groups throughout the country to overcome difficulties and forge ahead, and handed over an answer sheet that was satisfactory to the people, attracted worldwide attention and could go down in history. General Secretary of the Supreme Leader is rock-solid before stormy waves, strategizing in risk challenges, and taking the helm with great political courage, superb political wisdom and excellent leadership ability, which is our fundamental confidence, strength and reliance in coping with various risk challenges and doing all the work well. We must adhere to the guidance of the Supreme Leader Socialism with Chinese characteristics Thought in the new era, strengthen the "four consciousnesses", strengthen the "four self-confidences" and achieve the "two maintenances", thoroughly study and implement the spirit of the two sessions of the National People’s Congress, build a new development pattern based on the new development stage, implement the new development concept, consolidate and expand the achievements of epidemic prevention and control and economic and social development, accelerate the construction of a new development pattern with more practical measures, and push forward the reform and opening up with greater determination. We will continue to safeguard and improve people’s livelihood with greater efforts, push forward the comprehensive and strict management of the party with stricter requirements, unswervingly accelerate the high-quality leap-forward development, take advantage of the momentum to promote the "14 th Five-Year Plan" to make a good start, strive to write a chapter on building a socialist modern country in Jiangxi, paint a new picture of Jiangxi’s reform and development in the new era, and celebrate the 100 th anniversary of the founding of the party with outstanding achievements.

　　Seven representatives, including Huang Lusheng, Yu Jihua, Xiong Jianming, Lei Yanqin, Xie Laifa, Zhang Guoxin and Mei Yi, made speeches. They unanimously agreed with the government work report. They thought that the report fully implemented the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era, had new thinking to adapt to the new development stage, had new requirements to implement the new development concept, and had new measures to build a new development pattern. It was a good report that was pragmatic, enterprising and inspiring. The delegates closely followed the main theme of the government work report, and talked about their views and suggestions around the themes of independent innovation of the national pig seed industry, promoting the construction of Jingdezhen national ceramic culture inheritance and innovation experimental zone, supporting the development of private economy, effectively connecting poverty alleviation with rural revitalization, creating the "most beautiful coastline" of the Yangtze River with "water beauty, shore beauty and industrial beauty", building the foundation and soul with red education, and developing the Chinese medicine industry.

　　Sun Xinyang, Zhao Liping, Ma Senshu, Hu Keming, Ma Zhiwu, Ceng Wenming, Zhang Xiaoping, Hu Qiang, Luo Xiaoyun, Ge Xiaoyan, Tian Yunpeng, Zhou Meng, Zhu Hong and Liu Depei attended the deliberation. He Xin, Deputy Secretary General of the Standing Committee of the National People’s Congress, and Song Rui, Director of the Research Office of the General Office of the Standing Committee of the National People’s Congress attended the meeting.

　　In order to promote the pilot project of mortgage loan for farmers’ housing property rights in accordance with the law, According to the spirit of "Guiding Opinions of the State Council on Piloting the Management Right of Rural Contracted Land and Mortgage Loan for Farmers’ Housing Property Rights" (Guo Fa [2015] No.45) and "Decision of the National People’s Congress Standing Committee (NPCSC) on authorizing the State Council to temporarily adjust and implement relevant laws and regulations in 232 pilot counties (cities, districts) such as Daxing District in Beijing and 59 pilot counties (cities, districts) such as Jixian County in Tianjin", The "Interim Measures" (Annex 1) and "List of pilot counties (cities, districts) for mortgage loans of farmers’ housing property rights" (Annex 2) are hereby printed and distributed to you, please conscientiously implement them according to the actual situation.

　　Annex: 1. Interim Measures for the Pilot Project of Mortgage Loan for Farmers’ Housing Property Rights

　　2. List of pilot counties (cities, districts) for mortgage loans of farmers’ housing property rights.

　　China people’s bank CBRC CIRC

　　Ministry of Finance, Ministry of Land and Resources, Ministry of Housing and Urban-Rural Development

　　March 15, 2016

　　Annex 1

　　Interim measures for the pilot project of mortgage loan for farmers’ housing property rights

　　Article 1 In order to promote the pilot project of mortgage loans for farmers’ housing property rights in accordance with the law, increase effective financial support for agriculture, rural areas and farmers, and protect the legitimate rights and interests of borrowers, These measures are formulated in accordance with policies and regulations such as "Guiding Opinions of the State Council on Piloting the Management Right of Rural Contracted Land and Mortgage Loan for Farmers’ Housing Property Rights" (Guo Fa [2015] No.45) and "Decision of the NPC Standing Committee on authorizing the State Council to temporarily adjust and implement relevant laws and regulations in 232 pilot counties (cities, districts) such as Daxing District in Beijing and 59 pilot counties (cities, districts) such as Jixian County in Tianjin.

　　Article 2 The term "mortgage loan for farmers’ housing property rights" as mentioned in these Measures refers to a loan that is issued by a banking financial institution (hereinafter referred to as the lender) to eligible farmers’ housing owners (hereinafter referred to as the borrower) with the farmers’ housing ownership and the right to use the homestead as collateral without changing the nature of the homestead ownership, and repays the principal and interest within the agreed period.

　　Article 3 The term "pilot areas" as mentioned in these Measures refers to the counties (cities, districts) explicitly authorized by the Decision of the NPC Standing Committee on authorizing the State Council to temporarily adjust and implement the relevant laws and regulations in the administrative areas of 232 pilot counties (cities, districts) such as Daxing District in Beijing and 59 pilot counties (cities, districts) such as Jixian County in Tianjin.

　　Article 4 Where a borrower applies for a loan with the ownership of farmers’ housing and the right to use the homestead as collateral, it shall meet the following conditions at the same time:

　　(1) Having full capacity for civil conduct and no bad credit record;

　　(two) there is no dispute about the ownership of the mortgaged house and the right to use the homestead, and it has the ownership certificate issued by the relevant government departments according to law, which is not included in the scope of land acquisition and demolition;

　　(3) The borrower shall have other long-term and stable living places except the peasant houses used for mortgage, and be able to provide relevant certification materials;

　　(four) the collective economic organization where it is located agrees in writing that the right to use the homestead shall be mortgaged and disposed of together with the farmers’ housing.

　　If the farmers’ houses are mortgaged, the written consent of other co-owners shall also be obtained.

　　Article 5 The mortgage loan of farmers’ housing property rights obtained by the borrower shall be given priority for legal purposes recognized by the lender, such as agricultural production and operation.

　　Article 6 The lender shall make overall consideration of the borrower’s credit status, loan demand and repayment ability, the ownership of the house used for mortgage and the value of the right to use the homestead, and reasonably and independently determine the mortgage rate and actual loan amount of the farmer’s housing property right mortgage loan. Lenders are encouraged to appropriately increase the loan mortgage rate for borrowers who are honest and trustworthy, supported by financial discount, agricultural insurance or farmers’ housing insurance.

　　Article 7 Lenders shall refer to the benchmark interest rate of the same period and grade published by the People’s Bank of China, and determine the interest rate of farmers’ housing property mortgage loan reasonably and independently in combination with the actual situation of borrowers.

　　Article 8 The lender shall reasonably and independently determine the loan term by taking into account the borrower’s age, loan amount, loan purpose, repayment ability and the conditions of farmers’ houses and homesteads used for mortgage.

　　Article 9 Lenders and borrowers can determine the value of house ownership and homestead use right fairly, justly and objectively by entrusting a third-party real estate appraisal agency for appraisal, self-appraisal by the lender or negotiation between the two parties.

　　Article 10 Lenders are encouraged to actively innovate credit products and service methods according to the needs of borrowers, simplify loan procedures, strengthen loan risk control, and comprehensively improve the quality and efficiency of loan services. In addition to the loan interest rate agreed in the mortgage contract of farmers’ housing property rights, other borrowing costs shall not be increased in addition or in disguise.

　　Article 11 Both borrowers and lenders shall, according to the provisions of the pilot areas, handle mortgage registration of house ownership and homestead use right at the real estate registration institution determined by the government in the pilot areas.

　　Article 12 If the borrower fails to perform the due debts or needs to exercise the mortgage right according to the circumstances agreed by the borrower and the borrower, the lender shall, in combination with the actual situation in the pilot area, cooperate with the government of the pilot area to dispose of the collateral through loan restructuring, orderly settlement, real estate sale or auction, etc., and the proceeds from the disposal of the collateral shall be given priority by the lender. In principle, the transferee’s scope should be limited to the relevant laws and regulations and the scope stipulated by the State Council when selling or auctioning the mortgaged farmers’ houses.

　　Article 13 The governments in the pilot areas should accelerate the registration and certification of the investigation on the ownership of houses and the right to use homesteads within their administrative areas, and actively organize and do a good job in the formulation of benchmark land prices for collective construction land, value evaluation, collateral disposal mechanism and other supporting work.

　　Article 14 Governments in pilot areas are encouraged to set up risk compensation funds for farmers’ housing property mortgage loans, which are used to share loan losses caused by force majeure such as natural disasters and protect farmers’ basic housing rights and interests during the period of collateral disposal, or to give appropriate interest subsidies to farmers’ housing property mortgage loans according to local financial resources, so as to enhance lenders’ lending incentives.

　　Fifteenth pilot areas are encouraged to provide guarantees for farmers’ housing property rights mortgage loans through government guarantee companies.

　　Article 16 The branches of the People’s Bank of China in the pilot areas should increase the support for re-lending agriculture to lenders who have achieved good results in carrying out mortgage loans for farmers’ housing property rights.

　　Article 17 The banking supervision institution shall make overall research, reasonably determine the calculation rules and incentive policies on the risk weight, capital provision and loan classification of farmers’ housing property rights mortgage loans, and support financial institutions to carry out farmers’ housing property rights mortgage loans.

　　Eighteenth insurance supervision and management institutions should speed up the improvement of agricultural insurance and farmers’ housing insurance policies, and provide credit support for borrowers by exploring various ways such as developing farmers’ housing property rights mortgage loan guarantee insurance business.

　　Nineteenth pilot working groups in each pilot area should strengthen overall coordination, rely on the actual division of responsibilities, and do a solid job in organizing the implementation, follow-up guidance and summary evaluation of pilot organizations within their jurisdiction. During the pilot period, the provinces will form an annual pilot summary report at the end of each year, which should be sent to the pilot steering group in the name of the provincial people’s government before the end of January each year (postponed in case of holidays).

　　Article 20 Branches of the People’s Bank of China shall strengthen pilot monitoring, business guidance and evaluation summary together with banking supervision institutions and other departments. The pilot counties (cities, districts) shall submit quarterly summary reports and policy suggestions, which shall be summarized by the branches above the sub-provincial city center branch of the People’s Bank of China in conjunction with the banking regulatory bureau and submitted to the office of the pilot steering group within 20 working days after the season, and printed and sent to all members of the steering group.

　　Article 21 All banking financial institutions may, in accordance with the relevant provisions of these Measures, formulate the management system and detailed rules for the implementation of farmers’ housing property rights mortgage loans, and send a copy to the People’s Bank of China and banking supervision and management institutions.

　　Twenty-second for farmers’ housing property rights to provide guarantees for others’ loans, can be implemented with reference to these measures.

　　Article 23 These Measures shall be interpreted by the People’s Bank of China, the China Banking Regulatory Commission and the relevant member units of the pilot steering group.

　　Article 24 These Measures shall come into force as of the date of promulgation.

　　Annex 2

　　List of pilot counties (cities, districts) for mortgage loans of farmers’ housing property rights