Farmer loan is bad, because guaranty assures,be greatly difficult. On one hand the can offer mortgage goods that the farmer lacks rare effect, on the other hand orgnaization of a few finance is avoid risk, extend in the country guaranty emphasizes assuring again when loan, this makes farmer loan bad be immersed in the condition that does not have solution almost. Chinese agriculture bank 3 farming Xia Zongyu of general manager of individual finance ministry introduces, at present the farmer loan cent of the Agriculture Bank borrows money to assure and credit two kinds big, assure among them loan includes to make sure loan, mortgage loan and impawn borrow money.
To solve a farmer loan assures difficult question, the Agriculture Bank undertook multinomial finance innovates. For instance exploration of adjust measures to local conditions assures to assure through ” of “ company farmer, farmer major cooperation assures to assure, farmer couplet is protected, of all kinds assure of the company assure to assure, the natural person assures (labour firewood personnel assures) , guaranty of Agricultural Machinery and Implement assures, impawn of guaranty of assets of silvan natural resources, goods in stock, . In rich assure means while, still be aimed at farmer loan characteristic, pay attention to good before borrowing, close, if pass rural “ 5 old ” (old secretary of a Party or League branch, old village head, old group leader, old Party member, veteran cadre) the mode such as ” of farmer of village of credence of sincere letter appraise sth through discussion, “ chooses try out farmer the farmer that good canal supports very much. These innovation conduce to not only solve farmer loan mortgage to assure insufficient problem, dispersed effectively the credit risk of the bank. Up to by this year September, remaining sum of loan of Agriculture Bank farmer amounts to many yuan 1400.
Operate the level still difficult problem is not little
Xia Zongyu says, the Agriculture Bank assures in farmer loan the innovation that undertakes on means, in the operation the level still faces many difficult problem.
If rely on the loan that mode of ” of “ company farmer extends, industrialization of agriculture of each district of be enslaved to be enslaved to develops grade of the dimensions of level and enterprise, capital, credence to wait, accord with a bank to assure at present the bibcock company of loan is less, bibcock enterprise assures the forehead is spent finite, and loan risk is bigger.
The Lin Quan guaranty of try out of Agriculture Bank of a few areas borrows money, because at present Lin Quan is on the move,market construction still is not perfected, if borrower produces credit risk, financial orgnaization changes the cost that shows guaranty forest is higher, reduce the credit risk of financial orgnaization effectively hard. The whole nation lacks unified Lin Quan to evaluate a standard, also lack major to evaluate division, assessment optional sex is bigger. And rely on major to assure the loan that the company grants, because assure company capital gold is finite, assure capacity is relatively insufficient, especially admittance doorsill, collect fees tall, farmer suits hard.
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