浅析生物资产对涉农企业银行借款成本的影响——基于金融生态环境视角的分析

A Brief Analysis of the Impact of Bio-assets on the Bank Loan Cost of Agricultural-related Enterprises: Analysis from the Perspective of Financial Eco-environment

生物资产是涉农企业的一项重要资产。生物资产在理论上可以作为抵押品向银行申请贷款,降低涉农企业与银行之间的信息不对称程度,促使银行下调贷款利率,增强涉农企业的信贷融资可获性。而不同的金融生态环境会对信贷市场的运行效率产生影响。好的金融生态环境可以通过促进生物资产抵押合同的成立而间接影响涉农企业的信贷成本。

Bio-assets is an important asset of agricultural-related enterprises.Bio-assets can theoretically be used as collateral to apply for loans from banks,reducing information asymmetry between agricultural-related enterprises and banks,promoting banks to cut lending rate,and enhancing the availability of credit financing for agricultural-related enterprises.But the different financial eco-environment will have an impact on the efficiency of the credit market.A good financial eco-environment can indirectly affect the credit cost of agriculturalrelated enterprises by promoting the establishment of bio-assets mortgage contracts.