Mode Design And Value Evaluation Method Of Pig Biological Assets Mortgage

As an innovative mortgage financing mode,biological asset mortgage loan widens the scope of agricultural credit collateral and enhances the financing convenience and availability of farmers and agricultural enterprises.However,due to the complexity and high risk of agricultural production activities,the financing mode of biological assets mortgage loan faces some problems in practical application,such as the difficulty of biological assets value evaluation and mortgage loan risk management.These problems reduce the participation enthusiasm of commercial banks and restrict the popularization and application of biological asset mortgage loans.Therefore,this paper focuses on the typical agricultural activity of pig breeding,puts forward the solutions to the financing problems of pig biological assets mortgage loan,and completes the overall design of the operation mode of pig biological assets mortgage loan,in order to provide theoretical guidance for the practice of biological assets mortgage loan.Reviewing the research at home and abroad,it is found that the outstanding problems of biological asset mortgage financing are the difficulty of biological asset value evaluation and mortgage risk management.However,the existing literature mainly studies the biological asset mortgage loan from the financial perspective,lacks the analysis of the production law of the pig industry,and does not put forward systematic practical guidance methods for commercial banks.Therefore,under the theoretical guidance of mortgage asset value evaluation theory,Bioeconomic model theory,cobweb theory and commercial bank risk management theory,this paper first combs and summarizes the development status of the model from the operation mode,operation status and existing problems of pig biological asset mortgage loan,and then discusses and analyzes the production law of pig breeding industry in China.Based on the existing research,this paper discusses the mode operation ideas of biological asset mortgage loan from the perspective of commercial banks,designs the overall financing mode of pig biological asset mortgage loan,and provides management methods to disperse and reduce the risk of biological asset mortgage loan.Finally,build a pig biological asset value evaluation model based on pig growth model and pig price prediction model to solve the problem of biological asset value evaluation in the operation of biological asset mortgage loan model.The research conclusions of this paper are as follows:(1)at present,there are some problems in the actual operation of pig biological asset mortgage loan model,such as difficult biological asset value evaluation,difficult business risk control and management,complex business process and high business cost;The sources of business risk include borrowers,collateral and commercial banks,and the fluctuation of collateral value is the biggest risk.(2)Due to the long production cycle of pigs,the change of pig production capacity lags behind the change of price.Therefore,under the action of cobweb mechanism,there is a certain regularity and periodicity in the fluctuation of pig price in China.(3)Pig biological asset mortgage loan is a financing mode combining the development of pig industry and the innovation of financial instruments.Therefore,based on the above theoretical analysis and from the perspective of commercial banks,this paper puts forward the business operation idea of commercial banks,which is "based on the analysis of the fundamentals of the industry before loan,supplemented by the technical model in loan and supplemented by the dispersion of risks after loan",It also designs the operation mode of biological asset mortgage loan of "borrower + Bank + credit enhancement +(movable)property right registration center +government industrial fund".(4)By constructing the value evaluation model of pig biological assets based on pig growth model and pig price prediction model,this paper completes the dynamic evaluation of the value of biological assets,provides an application model for commercial banks to realize the floating issuance of mortgage loans,and solves the problem of value evaluation of biological assets.