基于贷款贴息的农产品订单质押贷款研究

Research on Agricultural Products Order Pledge Loan Based on Loan Interest Discount

摘要: 随着我国经济的增长，农产品的发展对满足人民日益增长的美好生活需要起着至关重要的作用。农产品的生产过程中农户存在资金约束问题，农产品订单质押贷款是化解农民生产资金约束的有效途径，然而基于贷款贴息的农产品订单质押贷款存在着诸多难题与风险。本文以“政府 + 银行 + 农户 + 销售商”的供应链主体为研究对象，将政府贷款贴息纳入到农产品订单质押过程中，建立基于贷款贴息的农产品订单质押贷款理论研究模型，分析了订单本身特性，供需错配，贴息政策设计与执行局限性，配套机制和外部环境支撑不足四个方面带来的制约困境，并据此提出对策建议。

Abstract: With the growth of our country’s economy, the development of agricultural products plays a crucial role in meeting the people’s growing needs for a better life. Agricultural product order pledge loans are an effective way to resolve farmers’ production capital constraints, but there are many problems and risks in agricultural product order pledge loans based on loan discounts. This paper takes the supply chain entities of “government, bank, farmer and seller” as the research object, incorporates the government loan discount into the pledge process of agricultural product orders, establishes a theoretical research model of agricultural product order pledge loans based on loan discounts, analyzes the characteristics of the order itself, the mismatch between supply and demand, the limitations of the design and implementation of the discount policy, the lack of supporting mechanism and external environment support, and puts forward countermeasures and suggestions accordingly.