农业融资担保模式、运行特征与对策建议——基于浙江省新型农业经营主体的视角

Agricultural Financing Guarantee Mode, Operation Characteristics and Countermeasures: Based on the Perspective of New Agricultural Business Entities in Zhejiang Province

文章通过梳理国内外农业融资担保的相关文献,以浙江省新型农业经营主体为样本,剖析了融资担保模式及其运行特征,认为融资担保能够解决借贷双方信息不对称和新型农业经营主体的抵押物缺失等问题,农户间专业合作和农业产业链是新型农业经营主体融资担保的切入点。文章揭示了新型农业经营主体融资担保中存在的问题,提出发展"互联网+农业产业链"的融资担保平台、开发与创新动产融资担保产品与业务等政策建议。

Financing guarantee is an important means to expand financing c hannels for new agricultural business entities.By com bing the relevant docum ents of agricultural financing guarantee at hom e and abroad and taking the new agricultural managem ent entities in Z hejiang as res earch s ample,T his paper analyz es the financing guarantee mode and operation characteristics.It is c onsidered that financing guarantee can solve the problem o f a symmetric i nformation be tween t he bo rrowers a nd t he bo rrowers a nd t he l ack o f t he mo rtgage o f t he new agricultural management entities.Farmers'professional cooperation and agricultural indus trial chain nodes are the starting points for the financing guarantee of the new agricultural management entities.The article reveals the problems existing in the financing guarantee of the new agricul tural management entities.Policy recommendations are put forward devel oping the f inancing platform of"the Int ernet+agri cultural industry chain",devel oping and innovating the new type of agricultural bus iness entities,such as receivables,such as receivables and other m ovable property financing guarantee products and services.