MySheen

Efforts should be made to solve the problem of animal husbandry financing.

Published: 2024-11-21 Author: mysheen
Last Updated: 2024/11/21, As the saying goes: the family is rich, but the one with hair does not count. Because of the risk of disease and death of poultry, the risk of live animal mortgage is greater than that of general property mortgage, so its guarantee value is not high. But it is also precisely because the scale of live poultry farming should be expanded, and it is necessary to attract live water from the source.

As the saying goes, "A family has a lot of money, but those with hair do not count." Because of the risk of disease and death of poultry, the risk of live animal mortgage is greater than that of general property mortgage, so its guarantee value is not high. However, it is precisely because live poultry farming wants to expand the scale, it is not easy to attract running water from the source. In the leapfrog practice of animal husbandry development, the shortage of funds and financing difficulties often become the bottleneck of development, and efforts are needed to solve this problem.

The experience of live poultry mortgage of Xinbao Animal Husbandry breeding Cooperative in Wutong Town, Wutong Town, No. 6 Division of Xinjiang production and Construction Corps has set an excellent example for us. The cooperative through the introduction of insurance companies, guarantee companies, third-party regulatory companies and other institutions with risk protection functions, so as to guide breeding enterprises, cooperatives, farmers to use raised live animals as collateral to obtain bank loans after guarantee. This method is divided into two steps, that is, the workers or enterprises will first insure the breeding of live birds, and then use the insurance to package loans in the bank. Due to the role of insurance, the risk of bank lending is reduced, and the financing channels are thus opened. Of course, in this example, the leading and supporting of special funds play an important role. By the way that each carrier bears a certain proportion of insurance premium, it lowers the threshold of mortgage loan for live animal owners, thus realizing the matting and dredging role of financing.

Setting up insurance as the front is an effective attempt, through the local government to set up special funds, through the insurance small leverage to move the door of financial financing, but this is not the only way of financing. Under the situation of increasingly organized, cooperative and enterprised animal husbandry, the realization of bundling and mutual guarantee should become the leading form, through government investment, participation of herdsmen and animal husbandry enterprises, the establishment of guarantee companies or the establishment of guarantee funds can walk out of the regional and characteristic financing road, while through the fund rolling and magnifying effect of financing guarantee, it can effectively expand the coverage of guarantee and dilute the occasional risks of animal husbandry epidemic. It has strong feasibility. Similarly, in the major animal husbandry provinces throughout the country, through the establishment of animal husbandry guarantee reserves from top to bottom, coupled with the tilt of supporting financial policies such as central financial subsidies, preferential tax policies, lowering special loan interest rates, and increasing loan lines, it will also greatly help to broaden the financing channels for animal husbandry.

Of course, supporting measures, especially the corresponding supervision measures are indispensable: first, the risk of financial guarantee. Although the financing guarantee has a magnifying effect, we should follow up the safety of the capital chain, and we must strictly prevent the occurrence of fictional fraud and the risk of misappropriation and embezzlement of special funds, which requires strengthening the closeness of special funds. Second, it is necessary to prevent the occurrence of large-scale diseases and epidemics. When finding signs of the epidemic, we should promptly organize personnel to carry out rescue and establish a partition to prevent the financial risk caused by the devaluation of collateral caused by a large-scale epidemic.

In addition, the joint guarantee through the upstream and downstream industrial chain of animal husbandry is also an effective way of financing; through the coordination of local governments, activating the micro-loan measures of banks, and even encouraging private capital to "turn loans into investment" into shares in animal husbandry enterprises these can be said to be useful attempts for animal husbandry financing. But in the final analysis, it also depends on the benign operation and scientific operation of animal husbandry itself. Profit is often the direction mark of capital. Under the guarantee of profit, it is only a matter of time and method for capital to come naturally.

 
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