摘要
农业生物资产浮动抵押融资试点旨在盘活农村"沉睡资本",促进生物资产产权资本化进程,拓宽新型农业经营主体融资渠道,增强其融资便利和融资可得性,有利于促进乡村振兴。论文以杨凌生猪资产抵押融资试点项目为案例,阐述了试点的背景与意义,分析了农业生物资产浮动抵押融资进展、效果与存在问题,据此提出构建"政(府)银(行)保(险)农(经营主体)平(台)"五方联动的农业生物资产浮动抵押融资模式及运行体系,以及相关对策建议,为农业生物资产抵押试点完善提供依据与借鉴。
The pilot project of the floating mortgage loan finance of the agricultural biological assets aims at revitalizing rural “sleeping capital”, promoting the capitalization of the biological assets property rights, broadening the financing channels of new agricultural operators,enhancing the financing convenience and the financing availability, and promoting rural revitalization. Taking Yangling Rural Commercial Bank’s pigs assets mortgage financing pilot project as a case, this paper expounds the background of the pilot and the significance, analyzes the agricultural biological assets floating mortgage financing progress, effect and existing problems, builds the loating charge financing mode and operation system of agricultural biological assets with the characteristics of “five parties linkage” of “Government-Bank-Insurance-Agricultural Operators-Platform”. The relevant countermeasures and suggestions can provide basis and reference for the improvement of agricultural biological asset mortgage pilot.
作者
罗剑朝
魏立乾
梅冰菁
LUO Jian-chao;WEI Li-qian;MEI Bing-jing
出处
《农村金融研究》
2021年第11期66-73,共8页
Rural Finance Research
基金
国家自然科学基金面上项目“农业信用担保制度有效性评价、风险控制与体系构建研究”(编号:71873100)
陕西省农业协同创新与推广联盟2018年
2020年重大科技项目“新时代陕西省农业农村现代化重大现实问题与政策问题研究”(编号:LMZD201804、LMZD202006)的阶段性成果。
关键词
农业生物资产
浮动抵押融资
融资模式
生猪资产
Agricultural Biological Assets
Floating Mortgage Financing
Financing Model
Pigs Assets
