摘要:一直以来,抵质押物不足被认为是农民专业合作社融资难的主要原因,成立政策性涉农担保公司为其提供融资担保的业界呼声备受关注。为解决涉农企业、专业合作社、农户个体等贷款难问题,重庆市组建成立了重庆市农业担保有限公司。然而笔者通过担保试点发现,即使担保公司愿意为合作社提供融资担保服务,合作社贷款依然困难重重,抵质押物缺乏仅仅是其融资难的表象。本文从阐述合作社融资存在的问题着手,深入解析其症结所在,并提出改善合作社融资环境的有效建议。
关键词:农业专业合作社融资难 原因 对策
Analysis of financing difficulties faced by agricultural cooperatives
Zhou Juan Bu Yuming
(Chongqing Agriculture Guaranty Company, Chongqing, 400020)
Abstract:Lack sufficient collaterals to qualify for the loans has long been considered as the primary reason why agricultural cooperatives face financing difficulty, and it has drawn special attention to establish policy-based guaranty company who provide guarantee to bank to support lending to the agriculture sector. In Chongqing Municipality, Chongqing Agriculture Guaranty Company aims at solving this issue specifically for agriculture enterprises, cooperatives and individual farmers. However, cooperatives appear to be still largely underserved with credit support from guarantor, based on the author’s hands-on experience, and insufficient collaterals is just the semblance of financing difficulty. In this article, the author explains the issue with in-depth analysis of the crux and proposes suggestions to improve financing environment effectively for cooperatives.
Key words:agriculture cooperatives, financing difficulty, crux, solution
一、合作社融资存在的问题
为深入了解重庆市农民专业合作社(以下简称“合作社”)融资现状,笔者对全市十几个区县进行了充分调研,发现相当部分合作社产业背景良好,产品富有特色,销售渠道畅通,示范、带动效应明显,处于高速成长阶段。然而,面对合作社高速发展的现状,与之配套的金融服务却难以紧跟发展步伐[1]。通过一年多的担保试点,笔者发现合作社融资贷款主要存在以下几个方面的问题:
(一) 经营管理不规范、不稳定
合作社管理制度普遍不健全,常因报表、收支凭证、购销合同、证件资料不规范等问题,导致贷款项目信息不对称,申请贷款审批受阻。
另外,较企业而言,合作社经营缺乏计划性,人员流动性较大,增加了担保公司、银行对其经营安全性、稳定性、连续性的顾虑,进而影响合作社担保贷款审批周期及流程。
以下内容略
(完整报告请联系重庆市农业担保有限公司提供)