牧区活畜抵押贷款金融服务模式的构建——以四川省阿坝州红原县为例  

The Construction of Financial Service Mode of Pastoral Livestock Mortgage Loans——An Example of Hongyuan County,Aba Prefecture of Sichuan Province

作　　者：何丽君 汪希成[2] He Lijun;Wang Xicheng

机构地区：[1]中国农业银行股份有限公司四川省分行,成都610000 [2]西南财经大学中国西部经济研究中心,成都611130

出　　处：《中国西部》2018年第2期76-85,共10页Western China

摘　　要：活畜抵押贷款是助力牧区脱贫解困的重要抓手,但是在实践中却面临诸多困难和风险。本文以红原县江萆乡萆日玛绵羊养殖农民合作社活蓄抵押贷款的案例入手,构建出“政府主导+金融机构创新+借款人筛选”的活畜抵押贷款金融服务模式。该模式通过财政性存款落户、代发工资业务和农村各类补贴性资金代理等倾斜方式鼓励金融机构不断创新,能够有效解决活畜抵押贷款中的难点,畅通活畜抵押贷款渠道。Pastoral livestock mortgage loans are important to poverty relief for pastoral areas and also face many difficulties and risks.This paper constructs the financial service mode of pastoral livestock mortgage loans of government-led and financial institution innovations and the screening of borrower by the example of the application for live mortgage loan of Hongyuan County Jiang Rong Xiang Rong Rima sheep farming famer cooperative.This mode can solve the difficulties of livestock mortgage loans effectively by encouraging financial institutions to innovate through attracting fiscal deposits and carrying the businesses of payroll service and various kinds of subsidized funds in rural areas.

关 键 词：活畜抵押贷款 金融服务模式 牧区 

分 类 号：F832[经济管理—金融学]