| For traditional farmers in my country,the assets they own are land,housing,forest rights,and live livestock.In rural areas,live livestock accounts for a higher proportion of total household assets.For a long time,my country’s peasant families have been following traditional production and lifestyles,and they have rarely applied modern financial tools such as financial services.This is due to the lack of relevant financial foundations for a long time,and the other hand,farmers lack effective collateral,and there are many obstacles and drawbacks for live livestock as collateral.Therefore,farmers face not only the lack of financial knowledge and the application of financial tools,but also the difficulty and expensive financing of live livestock mortgages.Problems and the impact of funding problems are restricting the long-term development of agriculture,especially the breeding industry.In recent years,with the implementation of the rural revitalization strategy,the state has paid more and more attention to the investment and development of agricultural financial services,especially in the area of live poultry and livestock breeding.The "Guiding Opinions on Financial Services for Rural Revitalization" was issued,which emphasized the need to actively expand the scope of agricultural and rural mortgages and pledges,promote the rapid development of the bio-mortgage loan business,help rural areas solve financing problems,expand financing channels,strengthen financing services,and meet diversified needs.changing financing needs.In2020,the state further promulgated the "Opinions of the General Office of the State Council on Promoting the High-Quality Development of Animal Husbandry",which clarified that all localities should actively carry out the pilot projects of live livestock mortgage loans and promote the widespread popularization of live mortgage business.In this context,local governments have issued live livestock mortgage loan policies that are suitable for local conditions.Ningxia,Jilin,Heilongjiang and other provinces have launched pilot businesses,and issued guidelines for the development of live livestock mortgage loan business in their own provinces.positive results,And this loan product is colloquially known as "live cow loan".Local governments are also faced with certain risks when trying out the policy of "live cow loan".There are not only moral risks and natural risks of living mortgage,but also market risks and liquidity risks brought by the special rural financial environment.The government should take these risks into full consideration in the process of policy exploration and promotion,so as not to cause large-scale financial risks.We will ensure the smooth implementation of policies,solve the financing problems of breeding farmers,and improve rural financial services.Based on the above background,this paper takes the live cattle mortgage loan policy as the starting point,and attempts to study and analyze the possible risk problems and countermeasures of the live cattle and live livestock mortgage loan policy.This paper uses rural finance theory,commercial loan theory,and comprehensive risk management theory as the theoretical basis.Through the current tripartite financing model,the counter-guarantee mortgage loan model and the floating mortgage financing model,these three live cattle mortgage loan models are used as case studies.Problems and causes of live cattle mortgage loans.This paper proposes that when dealing with the possible risks of the live cattle mortgage loan policy,the first is to improve the comprehensive ability of operators;Monetary policy tools;the third is to strengthen the construction of risk control systems of financial institutions,innovate financial products and services to meet different needs,improve the professional skills of employees,do a good job in credit assessment,and use digital technology;the fourth is to strengthen the external supporting service system and give full play to the financial support for agriculture.To play a guiding role,increase policy publicity,and give play to the risk transfer role of insurance and guarantees. |
