农村规模养殖户动物活体抵押融资的探索与思考

Live-animal Mortgage Financing for Large-scale Breeding in Rural Areas: Exploration and Thinking

动物活体抵押融资是一种新型的担保融资方式,它能有效缓解农村规模养殖户的融资困境。从分析我国动物活体抵押融资实践的3种典型模式入手,比较了国外活体抵押融资制度的差异,提出活体抵押实践必须具备的制度条件;针对我国开展活体抵押融资的制约因素,提出促进养殖业活体抵押融资的建议:为业务创新提供良好的制度环境;培养农村金融专业人才;推进农业保险;完善动物活体抵押信贷业务;简化担保物司法执行程序;选择优良的承贷主体。

The live-animal mortgage financing is a new-type financing method,which can efficiently alleviate the fund shortage for large-scale breeding in rural areas.After analyzing 3 typical ways of mortgage financing in China,this paper compares the differences of live-animal mortgage financing under two different systems in foreign countries,then presents the requirements in the practice of live-animal mortgaging.Considering the obstacles in implementing live-animal mortgage financing in China,this paper puts forward some suggestions on how to promote the development of mortgage financing,such as creating better institutional environment for business innovation,training rural financial professionals,pushing forward the development of agricultural insurance,perfecting the business of live-animal mortgage financing,simplifying the judicial execution procedures on collaterals and choosing excellent loan applicants.