“三農(nóng)”金融市場(chǎng)火爆 短板正被加速“補(bǔ)齊”

2018-01-09 14:29:37 來(lái)源：中國(guó)農(nóng)機(jī)網(wǎng) 閱讀量：45780 評(píng)論

　　【中國(guó)農(nóng)機(jī)網(wǎng) 本站原創(chuàng)】隨著我國(guó)互聯(lián)網(wǎng)技術(shù)應(yīng)用的迅速普及，互聯(lián)網(wǎng)金融與互聯(lián)網(wǎng)經(jīng)濟(jì)在中國(guó)農(nóng)村地區(qū)落地生根的同時(shí)也給農(nóng)村金融帶來(lái)了深遠(yuǎn)的改變。據(jù)統(tǒng)計(jì)，P2P網(wǎng)貸行業(yè)今年1~10月“三農(nóng)”業(yè)務(wù)總成交量為308.91億元，占P2P網(wǎng)貸行業(yè)同期總成交量的1.31%。截至10月底，P2P網(wǎng)貸行業(yè)涉及“三農(nóng)”業(yè)務(wù)的正常運(yùn)營(yíng)平臺(tái)數(shù)量有131家，占正常運(yùn)營(yíng)P2P網(wǎng)貸平臺(tái)的6.63%。
 

　　目前，我國(guó)實(shí)施鄉(xiāng)村振興戰(zhàn)略共有四種經(jīng)濟(jì)手段，發(fā)展多種形式適度規(guī)模經(jīng)營(yíng)；培育新型農(nóng)業(yè)職業(yè)主體；促進(jìn)農(nóng)村一二三產(chǎn)業(yè)融合發(fā)展；支持和鼓勵(lì)農(nóng)民就業(yè)創(chuàng)業(yè)。這幾種模式都極大地促進(jìn)了我國(guó)“農(nóng)業(yè)金融”的快速發(fā)展。
 
　　“三農(nóng)”金融需求市場(chǎng)火熱
 
　　根據(jù)農(nóng)業(yè)生產(chǎn)過(guò)程的季節(jié)性特征，滋生了不同場(chǎng)景的金融服務(wù)，如農(nóng)忙時(shí)提供資金支持、收獲時(shí)提供投資理財(cái)服務(wù)；土地“兩權(quán)”試點(diǎn)的推廣，催生了土地承包/經(jīng)營(yíng)權(quán)抵押貸款、讓流轉(zhuǎn)交易等蘊(yùn)藏千億市場(chǎng)；同時(shí)，在現(xiàn)代農(nóng)業(yè)發(fā)展中，適度規(guī)模的經(jīng)營(yíng)離不開(kāi)現(xiàn)代農(nóng)業(yè)機(jī)械、勞動(dòng)力和肥料等投入，這同樣需要前期投入較大的規(guī)模資金。
 
　　作為“雙高”基地重要試驗(yàn)區(qū)，崇左農(nóng)機(jī)市場(chǎng)發(fā)展迅速，對(duì)甘蔗種植收割管理走向全面機(jī)械化道路發(fā)揮重要作用。然而，動(dòng)輒幾十萬(wàn)甚至上百萬(wàn)的農(nóng)機(jī)價(jià)格，讓農(nóng)民難以承受。并且，普通農(nóng)戶由于缺乏抵押物很難從銀行得到如此大額的貸款，而由于融資租賃采用不同的商業(yè)模式，在資金額度和審批效率方面可以很好地滿足這一需求，因此，在這種情況下，有別于傳統(tǒng)金融服務(wù)的融資租賃顯現(xiàn)出巨大的需求空間，一經(jīng)推出就受到農(nóng)戶的歡迎。
 
　　供給側(cè)“短板”正在補(bǔ)齊
 
　　2016年，我國(guó)家庭農(nóng)場(chǎng)、農(nóng)民合作社、農(nóng)業(yè)產(chǎn)業(yè)化等新型主體數(shù)量已超過(guò)270萬(wàn)家，其中蘊(yùn)含數(shù)以千億的資金需求。但目前，現(xiàn)有的“三農(nóng)”金融的供給側(cè)還存在巨大缺口，讓“三農(nóng)”問(wèn)題陷入困境。據(jù)中國(guó)社科院2016年發(fā)布的“三農(nóng)”互聯(lián)網(wǎng)金融藍(lán)皮書(shū)數(shù)據(jù)顯示，我國(guó)“三農(nóng)”資金的缺口已達(dá)3.05萬(wàn)億元。
 
　　為緩解“三農(nóng)”金融問(wèn)題，傳達(dá)中央農(nóng)村工作會(huì)議精神，1月4日，銀監(jiān)會(huì)召開(kāi)黨委會(huì)議，提出要著力健全適合農(nóng)業(yè)農(nóng)村特點(diǎn)的農(nóng)村金融體系。將會(huì)把更多的金融資源配置到農(nóng)村經(jīng)濟(jì)社會(huì)發(fā)展的重點(diǎn)領(lǐng)域和薄弱環(huán)節(jié)。探索適合新型農(nóng)業(yè)經(jīng)營(yíng)主體的農(nóng)業(yè)設(shè)施抵押貸款、大型農(nóng)機(jī)設(shè)備租賃以及訂單融資、應(yīng)收賬款融資等業(yè)務(wù)，從而進(jìn)一步推動(dòng)金融資源向“三農(nóng)”傾斜。
 
　　農(nóng)行副行長(zhǎng)王緯表示，“農(nóng)行將緊扣新時(shí)代‘三農(nóng)’發(fā)展趨勢(shì)，以服務(wù)鄉(xiāng)村振興戰(zhàn)略為主線，加大對(duì)脫貧攻堅(jiān)、農(nóng)村產(chǎn)業(yè)融合、現(xiàn)代農(nóng)業(yè)發(fā)展等重點(diǎn)領(lǐng)域的支持力度，大力發(fā)展‘三農(nóng)’綠色金融和民生金融，進(jìn)一步完善服務(wù)‘三農(nóng)’體制機(jī)制，加快創(chuàng)新金融產(chǎn)品和服務(wù)模式，全力推進(jìn)互聯(lián)網(wǎng)金融服務(wù)‘三農(nóng)’一號(hào)工程。”
 
　　一直以來(lái)，農(nóng)村金融都是金融服務(wù)的薄弱環(huán)節(jié)，也是中央有關(guān)文件關(guān)心的區(qū)域之一。目前國(guó)內(nèi)農(nóng)村金融市場(chǎng)發(fā)展仍不均衡，經(jīng)濟(jì)欠發(fā)達(dá)地區(qū)農(nóng)村金融需求仍難以滿足，供求配比失衡，相對(duì)應(yīng)的金融服務(wù)還有較大改進(jìn)空間。因此，實(shí)施鄉(xiāng)村振興戰(zhàn)略，還需要切實(shí)增強(qiáng)農(nóng)村金融服務(wù)的供給。
 
　　中國(guó)農(nóng)機(jī)網(wǎng)(epigene.com.cn)原創(chuàng)，轉(zhuǎn)載請(qǐng)注明出處。
 
　　資料來(lái)源：網(wǎng)貸之家

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