買不起心儀的農(nóng)機(jī)沒關(guān)系 農(nóng)機(jī)融資租賃助你實(shí)現(xiàn)夢想

2018-02-05 17:51:04 來源：中國農(nóng)機(jī)網(wǎng) 閱讀量：40824 評論

　　【中國農(nóng)機(jī)網(wǎng) 本站原創(chuàng)】 先進(jìn)的農(nóng)業(yè)機(jī)械對農(nóng)民來說，是幫他們從“面朝黃土背朝天”的繁重勞作中解救出來的“救星”，但同時高昂的價格也會讓許多的農(nóng)民望而卻步，那么，如何能讓農(nóng)民克服資金困難買到自己心儀的農(nóng)機(jī)呢？農(nóng)機(jī)融資租賃模式或是一條捷徑。
 
　　有業(yè)內(nèi)人士指出，該模式首先通過融資租賃的方式購置大型農(nóng)機(jī)，無需抵押，只需合作社聯(lián)保，或廠商回購擔(dān)保，緩解了農(nóng)戶購置大型農(nóng)機(jī)具因無有效質(zhì)押而面臨的“貸款難”問題;其次，由于融資租賃公司按照基準(zhǔn)利率或低于基準(zhǔn)利率提供融資貸款，財(cái)政給予一定的農(nóng)機(jī)購置補(bǔ)貼和貼息，這就大大降低了農(nóng)民的購機(jī)成本，解決了農(nóng)機(jī)購置“貸款貴”難題。
 
　　迪爾融資  探索農(nóng)機(jī)融資租賃新模式
 
　　作為廠商融資租賃公司，迪爾融資深入了解農(nóng)業(yè)、農(nóng)機(jī)市場和用戶需求，通過與約翰迪爾經(jīng)銷商的共同努力，為用戶提供專業(yè)、快速便捷、靈活方便的融資體驗(yàn)。
 
　　2015年，迪爾融資與農(nóng)業(yè)部、新疆農(nóng)業(yè)廳合作，探索在新疆農(nóng)業(yè)領(lǐng)域引入PPP模式，為新疆合作社及用戶購置的近200臺大型采棉機(jī)進(jìn)行貼息補(bǔ)貼，有效解決農(nóng)業(yè)多環(huán)節(jié)的資金瓶頸。由于農(nóng)機(jī)購置補(bǔ)貼具有滯后性，迪爾融資開發(fā)出“迪爾速融通”產(chǎn)品，有效解決了用戶的短期資金需求。同時，迪爾融資站在用戶角度，充分考慮各個地區(qū)的區(qū)域化特點(diǎn)以及不同季節(jié)用戶現(xiàn)金流的變化，推出了一系列靈活費(fèi)率方案，實(shí)打?qū)嵉貛椭鷱V大用戶解決“融資難”、“融資貴”等問題。2017年，針對黑龍江省合作社購買農(nóng)機(jī)的特殊采購方式，迪爾融資在標(biāo)準(zhǔn)業(yè)務(wù)流程的基礎(chǔ)上專門研究推出了與合作社項(xiàng)目匹配的特殊融資流程，該項(xiàng)目通過為客戶提供融資服務(wù)滿足了客戶的資金需求，同時為當(dāng)?shù)氐霓r(nóng)業(yè)機(jī)械化發(fā)展做出了貢獻(xiàn)。
 
　　農(nóng)機(jī)融資租賃  助力甘蔗“甜蜜事業(yè)”
 
　　作為“雙高”基地重要試驗(yàn)區(qū)，近年來崇左農(nóng)機(jī)市場發(fā)展迅速，對甘蔗種植收割管理走向全面機(jī)械化發(fā)揮了重要作用。然而，現(xiàn)實(shí)中動輒幾十萬甚至上百萬的農(nóng)機(jī)價格，讓農(nóng)民難以承受。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，讓越來越多的合作社、蔗農(nóng)看到了希望，嘗到了“甜頭”。
 
　　原本打算想經(jīng)銷商賒賬的春翔農(nóng)機(jī)專業(yè)合作社理事長梁強(qiáng)就因?yàn)檗r(nóng)機(jī)融資租賃用上了心儀的大馬力拖拉機(jī)。“小馬力拖拉機(jī)已經(jīng)滿足不了需求，但是大馬力拖拉機(jī)一臺要50多萬元，當(dāng)時真是湊不齊這些錢。”說起那年甘蔗收割旺季到處求錢的難處，梁強(qiáng)依然連連嘆氣?；貞浱嶙咄侠瓩C(jī)那天的情景，梁強(qiáng)激動地說：“融資租賃真是解決了我的大問題！現(xiàn)在錢早就還上了！”
 
　　農(nóng)忙時節(jié)是農(nóng)戶使用農(nóng)機(jī)的高峰時期，很多農(nóng)民為了不耽誤農(nóng)時，都會提前備好需要的農(nóng)機(jī)，但有時候會因?yàn)橘Y金困難等問題遲遲解決不了農(nóng)機(jī)的購買問題，農(nóng)機(jī)融資租賃的出現(xiàn)，著實(shí)解決了農(nóng)民的燃眉之急，對我國的農(nóng)業(yè)機(jī)械化事業(yè)也大有裨益，隨著互聯(lián)網(wǎng)的廣泛普及，未來融資租賃模式獲獎成為農(nóng)機(jī)銷售市場的主流模式。
 
　　本文由中國農(nóng)機(jī)網(wǎng)編輯整理

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