农作物与其保单捆绑抵押模式探究——以浙江省农村地区为例

Discussion on Model of Collaterals of Crops for Loans:a Case Study in Rural Areas of Zhejiang

运用问卷调查法对浙江省部分农村地区的农户所进行的调查研究发现,现有的金融供给远远不能满足该地区农村经济发展的需求;农户的外部融资需求很少能从金融机构得到满足;缺乏担保和抵押物;民间借贷行为较普遍;农户融资规模较小、期限短;当地农业保险体系较完善。浙江省可实行农作物与保单"捆绑式"抵押的新型贷款模式,并加快整合相关资源,建立有关部门的联动机制,以充分发挥正规金融机构的供给主导作用,满足农户资金需求,支持农村经济的健康发展。

A survey of farmers in part of rural areas of Zhejiang finds that financial services available to farmers cannot meet demands of economic development there. It is difficult for local residents in rural areas to borrow money from financial institutions as farmers cannot provide banks with sufficient guarantee and collaterals. In this connection, financial instruments in the private sector are quite popular while farmers only need short-term and small amount of money. In Zhejiang, agriculturalinsurance system remains in a good shape. Zhe-jiang government could adopt the model of crops as collaterals for loans, harness the synergy of relevant departments and resources, and make banks play out their parts in offering financial services. By doing so, loans offered by banks are available to farmers and economic development in rural areas can grow in a healthy manner.