普惠金融视角下“饲料贷款”产品创新与风险控制对策研究

Research on product innovation and risk control countermeasures of “feed loan” from the perspective of inclusive finance

流动资金一直是养殖户扩大规模的最大困扰,由于养殖户缺乏抵押物,经营风险相对较大,贷款难的问题成为业界痛点。本文基于浙江省金华市农村的调研,通过对养殖户的需求进行分析,剖析市场典型经营性“饲料贷款”产品,并提出相应策略,为饲料企业提供了很好的参考。

Working capital has always been the biggest problem for farmers to expand their scale. Due to the lack of collateral and relatively high business risk,the problem of difficult loans has become a pain point in the industry. Based on the investigation of rural areas in Jinhua City,Zhejiang Province,this paper analyzes the needs of farmers,analyzes the typical operating “feed loan” products in the market,and puts forward the corresponding strategies,which provides a good reference for feed enterprises.