活体动物抵押贷款模式研究进展  

Research on progress of living animal mortgage loan model

作　　者：王新悦 胡振 WANG Xinyue;HU Zhen(College of Economics and Management,Northwest A&F University,Yangling 712100,China)

机构地区：[1]西北农林科技大学经济管理学院,陕西杨凌712100

出　　处：《黑龙江畜牧兽医》2023年第21期42-48,共7页Heilongjiang Animal Science And veterinary Medicine

基　　金：教育部人文社会科学项目“金融素养对农户金融资产配置决策的影响机制及提升策略研究”(18YJC790053);陕西省教育厅重点科研计划项目“农业生物资产抵押融资试点效果评价、模式优化与支持政策研究”(21JT044);陕西省科学技术协会提升公众科学素质计划项目“陕西居民金融素质现状及培养对策研究”(2021PSL102)。

摘　　要：笔者基于对不同活体动物抵押融资模式的对比和典型案例的剖析,梳理了国内外学者关于活体动物抵押贷款模式的相关研究进展。从融资模式的特征、限制、适用范围、风险分摊和市场化程度五个方面进行对比分析,提出深化供应链金融模式,扩大“动态估值浮动抵押”应用范围,强化大数据、人工智能、区块链等技术在活体动物抵押贷款中的作用;建立银行、政府、保险公司和担保机构风险共担机制,明确责任划分,共同抵御风险;加大活体动物抵押贷款政策宣传力度,完善活体动物市场交易制度的建议,以期达到推动活体动物抵押融资业务进一步发展,充分发挥金融科技助力乡村振兴、支持农村经济发展的作用。Based on the comparison of different living animal mortgage financing models and the analysis of typical cases,this study reviewed the research progress of living animal mortgage financing models by domestic and foreign scholars.The aspects of the characteristics of the financing model,constraints,the applicable scope,risk allocation and marketization degree were compared and analyzed.Deepening financial model of supply chain,expanding the scope of the"dynamic valuation floating mortgage applications,strengthening the big data,artificial intelligence,such as block chain technology in the role of animals in mortgage were put forward.The thesis also suggested to set up banks,government,insurance companies and guarantee agencies risk-sharing mechanism,clear responsibility division,resist risk together,in order to promote the further development of live animal mortgage financing business,and give full play to the role of Fintech in helping rural revitalization and supporting rural economicdevelopment.

关 键 词：活体动物抵押 融资模式 贷款 乡村振兴 农村金融 

分 类 号：F830.58[经济管理—金融学]