摘要 以内蒙古地区为例,首先对活体抵押贷款进行了概述,梳理了活体抵押贷款出现的原因及活体抵押贷款的现状。其次找到了内蒙古地区活体抵押贷款发展中存在的主要问题,有抵押物受外界影响过多风险大、养殖户对新型活体抵押金融产品认识不足、农业保险与第三方监管体系发展不足、活体抵押贷款的申请流程繁琐等等。最后在借鉴其他地区发展经验的基础上,针对内蒙古活体抵押贷款发展中存在的问题,提出了完善内蒙古地区活体抵押贷款的对策建议。 Agriculture is the focus and foundation of national economic development.In order to respond to the national call to deal with the development of“agriculture,rural areas and farmers”and solve the problem of slow rural development caused by“difficult and expensive financing”in rural development,the government has given various policies to encourage the development of live animal mortgage loans.Live animal mortgage financing provides a solution to realize agricultural scale-development.This financing method is in the immature stage but has a great development space.Taking Inner Mongolia as an example,this paper first summarizes live animal mortgage loan,sorted out causes for the emergence of live animal mortgage loan and its status quo.Secondly,it identified the main problems in the development of live animal mortgage loan in Inner Mongolia,such as excessive risks of mortgage badly influenced by the outside world,farmers’poor understanding of the new live animal mortgage finance products,the inadequate development of agricultural insurance and third-party supervision systems and the complicated application process of live animal mortgage loan.Finally,based on the development experience of other regions,this paper puts forward solution proposals to improve the live animal mortgage loan in Inner Mongolia.
机构地区 内蒙古科技大学包头师范学院 内蒙古农业大学
出处 《经济论坛》 2021年第1期93-100,共8页 Economic Forum
关键词 内蒙古 活体抵押贷款 农村金融 Inner Mongolia live animal mortgage loan Rural finance
分类号 F83 [经济管理—金融学]
