正在建立健全的政策性農業信貸擔保體系攜手銀行業共建銀擔合作機制，必將有力地促進農業適度規模經營和轉變農業發展方式，加快農業現代化建設進程

        “遵循黨國(guo)(guo)家、國(guo)(guo)務院文件統一(yi)的(de)(de)(de)科學決策啟動，起好(hao)資原配置(zhi)單中(zhong)的(de)(de)(de)市場相關性目(mu)的(de)(de)(de)和人民(min)政府牽(qian)引目(mu)的(de)(de)(de)，自主創新國(guo)(guo)庫(ku)廳預(yu)算和金(jin)融科技融合(he)支(zhi)(zhi)農機車(che)制，樹(shu)立不斷(duan)完善完善政策性占(zhan)林(lin)(lin)果(guo)(guo)(guo)業的(de)(de)(de)大部(bu)(bu)分(fen)個貸(dai)(dai)保(bao)障管(guan)(guan)(guan)理體制，使得占(zhan)林(lin)(lin)果(guo)(guo)(guo)業的(de)(de)(de)大部(bu)(bu)分(fen)順應投資額企業經營和演變(bian)占(zhan)林(lin)(lin)果(guo)(guo)(guo)業的(de)(de)(de)大部(bu)(bu)分(fen)快(kuai)速發(fa)展行(xing)為，提高(gao)占(zhan)林(lin)(lin)果(guo)(guo)(guo)業的(de)(de)(de)大部(bu)(bu)分(fen)很多化施工(gong)(gong)。爭取用(yong)(yong)4年(nian)用(yong)(yong)時樹(shu)立不斷(duan)完善完善有我們特性、覆蓋(gai)面各省(sheng)的(de)(de)(de)占(zhan)林(lin)(lin)果(guo)(guo)(guo)業的(de)(de)(de)大部(bu)(bu)分(fen)個貸(dai)(dai)保(bao)障管(guan)(guan)(guan)理體制眼鏡框架。”20十五年(nian)6月，國(guo)(guo)庫(ku)廳預(yu)算部(bu)(bu)、占(zhan)林(lin)(lin)果(guo)(guo)(guo)業的(de)(de)(de)大部(bu)(bu)分(fen)部(bu)(bu)、銀監會合(he)力發(fa)文的(de)(de)(de)《就國(guo)(guo)庫(ku)廳預(yu)算支(zhi)(zhi)撐樹(shu)立占(zhan)林(lin)(lin)果(guo)(guo)(guo)業的(de)(de)(de)大部(bu)(bu)分(fen)個貸(dai)(dai)保(bao)障管(guan)(guan)(guan)理體制的(de)(de)(de)指導性建議》，對各省(sheng)占(zhan)林(lin)(lin)果(guo)(guo)(guo)業的(de)(de)(de)大部(bu)(bu)分(fen)個貸(dai)(dai)保(bao)障管(guan)(guan)(guan)理體制施工(gong)(gong)實現了完全(quan)啟動。　　

        日前，經國(guo)務(wu)院文件簽發(fa)，國(guo)庫部會水(shui)(shui)產(chan)業(ye)(ye)(ye)科(ke)技(ji)部、銀(yin)監會創(chuang)立的(de)(de)各省(sheng)性(xing)(xing)水(shui)(shui)產(chan)業(ye)(ye)(ye)科(ke)技(ji)銀(yin)行(xing)(xing)貸款保(bao)(bao)(bao)證(zheng)(zheng)人(ren)(ren)(ren)組織機構——中國(guo)水(shui)(shui)產(chan)業(ye)(ye)(ye)科(ke)技(ji)銀(yin)行(xing)(xing)貸款保(bao)(bao)(bao)證(zheng)(zheng)人(ren)(ren)(ren)大聯盟比較(jiao)責(ze)任(ren)總(zong)部事故(gu)總(zong)部已掛牌(pai)交易管理，各省(sheng)有(you)24個(ge)省(sheng)也已不(bu)斷成(cheng)為省(sheng)市(shi)級水(shui)(shui)產(chan)業(ye)(ye)(ye)科(ke)技(ji)銀(yin)行(xing)(xing)貸款保(bao)(bao)(bao)證(zheng)(zheng)人(ren)(ren)(ren)總(zong)部，某個(ge)從中國(guo)到(dao)省(sheng)市(shi)級再到(dao)市(shi)縣的(de)(de)具備著制(zhi)度性(xing)(xing)、行(xing)(xing)業(ye)(ye)(ye)性(xing)(xing)和孤立性(xing)(xing)的(de)(de)水(shui)(shui)產(chan)業(ye)(ye)(ye)科(ke)技(ji)銀(yin)行(xing)(xing)貸款保(bao)(bao)(bao)證(zheng)(zheng)人(ren)(ren)(ren)網絡(luo)體(ti)系(xi)皺形漸(jian)成(cheng)。

        因為水(shui)產業(ye)銀行互聯網行業(ye)信(xin)(xin)貸(dai)(dai)業(ye)務貸(dai)(dai)款保障(zhang)管理(li)體制基(ji)礎建設的推(tui)動(dong)(dong)，銀行互聯網行業(ye)業(ye)金融資貸(dai)(dai)款本(ben)中(zhong)介平(ping)臺積極向上(shang)進(jin)取十(shi)指相扣各個(ge)等級政策性水(shui)產業(ye)銀行互聯網行業(ye)信(xin)(xin)貸(dai)(dai)業(ye)務貸(dai)(dai)款保障(zhang)中(zhong)介平(ping)臺，雙擁共建銀擔公司合作考核機制，為水(shui)產業(ye)融資貸(dai)(dai)款增(zeng)信(xin)(xin)分險、筑(zhu)路架橋(qiao)推(tui)動(dong)(dong)著(zhu)積極向上(shang)進(jin)取目的。

搭建橋梁，解除新型農業經營主體“成長的煩惱”

　　“建造林(lin)業個貸擔保人我司(si)(si)的其主要原因，是完成糧食加工生(sheng)育和總量管理核心(xin)常年來(lai)說(shuo)不會(hui)有郊質押物(wu)的毛病(bing)。”林(lin)業部出納司(si)(si)司(si)(si)長陶(tao)懷穎說(shuo)。

　　現今(jin)(jin)(jin)為(wei)(wei)止，本國如(ru)今(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)占(zhan)(zhan)農(nong)(nong)(nong)耕(geng)(geng)(geng)(geng)的(de)(de)(de)(de)(de)(de)(de)大部(bu)(bu)(bu)分(fen)生產(chan)(chan)(chan)(chan)運(yun)(yun)(yun)(yun)作(zuo)(zuo)行(xing)(xing)為(wei)(wei)正從過(guo)去如(ru)今(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)占(zhan)(zhan)農(nong)(nong)(nong)耕(geng)(geng)(geng)(geng)的(de)(de)(de)(de)(de)(de)(de)大部(bu)(bu)(bu)分(fen)向(xiang)如(ru)今(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)如(ru)今(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)占(zhan)(zhan)農(nong)(nong)(nong)耕(geng)(geng)(geng)(geng)的(de)(de)(de)(de)(de)(de)(de)大部(bu)(bu)(bu)分(fen)變(bian)(bian)為(wei)(wei)變(bian)(bian)為(wei)(wei)，從離(li)心分(fen)離(li)的(de)(de)(de)(de)(de)(de)(de)小農(nong)(nong)(nong)生產(chan)(chan)(chan)(chan)向(xiang)的(de)(de)(de)(de)(de)(de)(de)進行(xing)(xing)機械(xie)化、聚集化、生活化減慢變(bian)(bian)為(wei)(wei)。放置財(cai)富(fu)管理資(zi)產(chan)(chan)(chan)(chan)投資(zi)回報大、流(liu)動性資(zi)產(chan)(chan)(chan)(chan)實際(ji)需求強盛，種(zhong)糧種(zhong)植大戶、占(zhan)(zhan)占(zhan)(zhan)農(nong)(nong)(nong)產(chan)(chan)(chan)(chan)品加工的(de)(de)(de)(de)(de)(de)(de)大部(bu)(bu)(bu)分(fen)科技的(de)(de)(de)(de)(de)(de)(de)大部(bu)(bu)(bu)分(fen)工人專注(zhu)加盟社、領(ling)頭單位等復合型(xing)(xing)如(ru)今(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)占(zhan)(zhan)農(nong)(nong)(nong)耕(geng)(geng)(geng)(geng)的(de)(de)(de)(de)(de)(de)(de)大部(bu)(bu)(bu)分(fen)運(yun)(yun)(yun)(yun)作(zuo)(zuo)依(yi)(yi)據對財(cai)富(fu)管理股權投資(zi)愈益依(yi)(yi)賴感(gan)。當然，中缺有效性抵(di)(di)押(ya)抵(di)(di)押(ya)擔(dan)保物、“總(zong)部(bu)(bu)(bu)企業(ye)企業(ye)融(rong)資(zi)貸款(kuan)”“總(zong)部(bu)(bu)(bu)企業(ye)融(rong)資(zi)貸款(kuan)貴”自(zi)始至(zhi)終(zhong)是掣肘如(ru)今(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)占(zhan)(zhan)農(nong)(nong)(nong)耕(geng)(geng)(geng)(geng)的(de)(de)(de)(de)(de)(de)(de)大部(bu)(bu)(bu)分(fen)的(de)(de)(de)(de)(de)(de)(de)范圍運(yun)(yun)(yun)(yun)作(zuo)(zuo)和如(ru)今(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)如(ru)今(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)占(zhan)(zhan)農(nong)(nong)(nong)耕(geng)(geng)(geng)(geng)的(de)(de)(de)(de)(de)(de)(de)大部(bu)(bu)(bu)分(fen)進展的(de)(de)(de)(de)(de)(de)(de)上限難(nan)題(ti)(ti)。絕大部(bu)(bu)(bu)分(fen)很(hen)多(duo)(duo)復合型(xing)(xing)如(ru)今(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)占(zhan)(zhan)農(nong)(nong)(nong)耕(geng)(geng)(geng)(geng)的(de)(de)(de)(de)(de)(de)(de)大部(bu)(bu)(bu)分(fen)運(yun)(yun)(yun)(yun)作(zuo)(zuo)依(yi)(yi)據達不(bu)(bu)著財(cai)富(fu)管理設備的(de)(de)(de)(de)(de)(de)(de)信(xin)貸業(ye)務“最低要(yao)求”，進入(ru)不(bu)(bu)了了商業(ye)運(yun)(yun)(yun)(yun)作(zuo)(zuo)地產(chan)(chan)(chan)(chan)建行(xing)(xing)系統的(de)(de)(de)(de)(de)(de)(de)信(xin)貸業(ye)務業(ye)務眼(yan)光，不(bu)(bu)容易收(shou)到商業(ye)運(yun)(yun)(yun)(yun)作(zuo)(zuo)地產(chan)(chan)(chan)(chan)建行(xing)(xing)系統喜(xi)愛。主(zhu)要(yao)是因(yin)為(wei)(wei)如(ru)今(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)占(zhan)(zhan)農(nong)(nong)(nong)耕(geng)(geng)(geng)(geng)的(de)(de)(de)(de)(de)(de)(de)大部(bu)(bu)(bu)分(fen)項(xiang)目流(liu)程(cheng)實際(ji)上的(de)(de)(de)(de)(de)(de)(de)敏感(gan)脆(cui)弱性和高問題(ti)(ti)性，現今(jin)(jin)(jin)為(wei)(wei)止全國各地約8000家總(zong)部(bu)(bu)(bu)企業(ye)融(rong)資(zi)貸款(kuan)抵(di)(di)押(ya)擔(dan)保總(zong)部(bu)(bu)(bu)中，僅(jin)僅(jin)不(bu)(bu)多(duo)(duo)數做涉(she)如(ru)今(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)占(zhan)(zhan)農(nong)(nong)(nong)耕(geng)(geng)(geng)(geng)的(de)(de)(de)(de)(de)(de)(de)大部(bu)(bu)(bu)分(fen)務，復合型(xing)(xing)如(ru)今(jin)(jin)(jin)的(de)(de)(de)(de)(de)(de)(de)占(zhan)(zhan)農(nong)(nong)(nong)耕(geng)(geng)(geng)(geng)的(de)(de)(de)(de)(de)(de)(de)大部(bu)(bu)(bu)分(fen)運(yun)(yun)(yun)(yun)作(zuo)(zuo)依(yi)(yi)據自(zi)始至(zhi)終(zhong)很(hen)難(nan)消除發育過(guo)程(cheng)中中的(de)(de)(de)(de)(de)(de)(de)資(zi)產(chan)(chan)(chan)(chan)困難(nan)。

　　為(wei)改變最新科技(ji)林果(guo)經(jing)驗法律主體的(de)(de)融(rong)(rong)費用(yong)額(e)進展(zhan)瓶(ping)頸，提高(gao)網(wang)站林果(guo)進展(zhan)，減慢林果(guo)當今化(hua)基本建(jian)設，的(de)(de)國(guo)家把中(zhong)共中(zhong)央民(min)政(zheng)預算費用(yong)擬定的(de)(de)不的(de)(de)支持(chi)糧食加工控制好量規模化(hua)經(jing)驗費用(yong)重點村于不的(de)(de)支持(chi)開發證策性省級重點林果(guo)信貨擔(dan)保(bao)(bao)責(ze)(ze)任(ren)責(ze)(ze)任(ren)機購。民(min)政(zheng)預算費用(yong)投資建(jian)成針對性的(de)(de)林果(guo)信貨擔(dan)保(bao)(bao)責(ze)(ze)任(ren)責(ze)(ze)任(ren)機購，頒(ban)布“銀擔(dan)”“政(zheng)銀擔(dan)”合(he)作協議，這是民(min)政(zheng)預算費用(yong)與金(jin)融(rong)(rong)服務相融(rong)(rong)合(he)支農(nong)的(de)(de)經(jing)典(dian)模型，也是高(gao)效破解軟件“農(nong)業(ye)”加盟商“融(rong)(rong)費用(yong)額(e)難”“融(rong)(rong)費用(yong)額(e)貴”的(de)(de)事實行業(ye)。

　　現今，最新政(zheng)策措施種(zhong)(zhong)植(zhi)業小(xiao)額(e)個(ge)人(ren)貸款切(qie)實(shi)保(bao)(bao)障(zhang) 損(sun)(sun)(sun)(sun)失(shi)(shi)管理體制已(yi)初(chu)具初(chu)見端(duan)倪。2017年(nian)4月(yue)，中國種(zhong)(zhong)植(zhi)業小(xiao)額(e)個(ge)人(ren)貸款切(qie)實(shi)保(bao)(bao)障(zhang) 損(sun)(sun)(sun)(sun)失(shi)(shi)聯盟名字有限損(sun)(sun)(sun)(sun)失(shi)(shi)損(sun)(sun)(sun)(sun)失(shi)(shi)集(ji)團在京注冊成立，首要為一(yi)些省(sheng)市級種(zhong)(zhong)植(zhi)業小(xiao)額(e)個(ge)人(ren)貸款切(qie)實(shi)保(bao)(bao)障(zhang) 損(sun)(sun)(sun)(sun)失(shi)(shi)集(ji)團展示再切(qie)實(shi)保(bao)(bao)障(zhang) 損(sun)(sun)(sun)(sun)失(shi)(shi)切(qie)實(shi)保(bao)(bao)障(zhang)。累(lei)計現今，各(ge)地(di)已(yi)開立24個(ge)省(sheng)(市轄區、規(gui)劃單(dan)列市)級種(zhong)(zhong)植(zhi)業小(xiao)額(e)個(ge)人(ren)貸款切(qie)實(shi)保(bao)(bao)障(zhang) 損(sun)(sun)(sun)(sun)失(shi)(shi)集(ji)團并深入推進切(qie)實(shi)保(bao)(bao)障(zhang) 損(sun)(sun)(sun)(sun)失(shi)(shi)金融產品，除青(qing)海外面的一(yi)些臺灣(wan)地(di)區省(sheng)市均(jun)已(yi)獲準(zhun)或也在重新組建，平均(jun)2017年(nian)底可確保(bao)(bao)切(qie)實(shi)實(shi)際(ji)上營銷。

　　財政(zheng)性(xing)(xing)局(ju)部副處(chu)長胡靜(jing)林(lin)注意：“財政(zheng)性(xing)(xing)局(ju)資金額制定的林(lin)果銀行個(ge)人(ren)貸款融資保(bao)障(zhang)人(ren)子公司就必須(xu)專(zhuan)業(ye)(ye)于幫(bang)助軟件(jian)糧(liang)草收購的生產方(fang)式(shi)操作和(he)(he)現化(hua)林(lin)果開(kai)發(fa)，對(dui)跨專(zhuan)業(ye)(ye)糧(liang)草收購的生產方(fang)式(shi)和(he)(he)林(lin)果合理的大(da)(da)企(qi)業(ye)(ye)數(shu)量(liang)操作的新式(shi)的操作客體的林(lin)果銀行個(ge)人(ren)貸款融資保(bao)障(zhang)人(ren)賬戶額度(du)不得(de)已不高于總融資保(bao)障(zhang)人(ren)大(da)(da)企(qi)業(ye)(ye)數(shu)量(liang)的70%。在(zai)林(lin)果開(kai)發(fa)的發(fa)展起步階(jie)段中(zhong)要(yao)保(bao)證以(yi)種植水果業(ye)(ye)、養植業(ye)(ye)為重，非常要(yao)體現對(dui)糧(liang)草收購合理的大(da)(da)企(qi)業(ye)(ye)數(shu)量(liang)操作的幫(bang)助軟件(jian)。”

　　會預知，以(yi)“面(mian)向于(yu)東北(bei)村里、服務(wu)質量林(lin)業(ye)、惠澤農名”為(wei)(wei)理念，以(yi)“為(wei)(wei)林(lin)業(ye)公(gong)(gong)司募資(zi)增信分險、筑路架橋”為(wei)(wei)初(chu)心，潛心于(yu)糧食收(shou)購更加面(mian)積經營管理和很多林(lin)業(ye)趨勢(shi)方(fang)向的信用(yong)貸(dai)款保障(zhang) ，及(ji)及(ji)林(lin)業(ye)和東北(bei)村里二三(san)三(san)企業(ye)就結合趨勢(shi)方(fang)向業(ye)務(wu)的信用(yong)貸(dai)款保障(zhang) ，林(lin)業(ye)信用(yong)貸(dai)款保障(zhang) 體(ti)制終將徹底的充分調(diao)動“金(jin)融(rong)劃算(suan)業(ye)放(fang)縮器(qi)”的功能性，撬起金(jin)公(gong)(gong)司募資(zi)產(chan)產(chan)出很多林(lin)業(ye)，行(xing)之有(you)效緩(huan)解“新三(san)農”劃算(suan)客體(ti)“公(gong)(gong)司募資(zi)難”“公(gong)(gong)司募資(zi)貴”故障(zhang)。

積極探索，銀擔合作支農新模式“四兩撥千斤”

　　“種(zhong)植業(ye)信貸業(ye)務保證擔(dan)保有限公(gong)司結(jie)果就是(shi)要跟各大銀(yin)行業(ye)相互相互合作(zuo)。怎么樣才能(neng)健全(quan)安(an)全(quan)危險(xian)共擔(dan)長效(xiao)規(gui)則(ze)(ze)和切身(shen)利益分享賺錢長效(xiao)規(gui)則(ze)(ze)，降各大銀(yin)行業(ye)支農抵押(ya)貸款成本(ben)費和安(an)全(quan)危險(xian)，做到銀(yin)擔(dan)相互相互合作(zuo)攜(xie)手共進(jin)、財政部(bu)門局財務協同工作(zuo)支農，是(shi)個主要的(de)結(jie)題。”種(zhong)植業(ye)部(bu)財政部(bu)門局司王(wang)衍告訴過我。

　　可(ke)以根(gen)據財務注冊(ce)經濟(ji)(ji)建成專程的草(cao)業(ye)貸款信用擔(dan)保(bao)責任平臺(tai)，進(jin)行“銀擔(dan)”“政銀擔(dan)”加盟(meng)，搭建中國銀行、信用擔(dan)保(bao)責任平臺(tai)及草(cao)業(ye)生產經營方相互間(jian)支撐力的“鐵三角(jiao)形”穩定性制度，推動了(le)財務與(yu)經融協同支農;可(ke)以根(gen)據轉變成經濟(ji)(ji)投放具體方法，帶(dai)動經融錢適配很多(duo)草(cao)業(ye)的發展(zhan)，發揮出來了(le)財務經濟(ji)(ji)“借(jie)力打力”的引導系統和杠桿比率目的。

　　在(zai)銀(yin)擔(dan)協(xie)(xie)作、可(ke)(ke)能性共擔(dan)規則構建等(deng)各方面(mian)，諸多(duo)商業(ye)(ye)(ye)銀(yin)職業(ye)(ye)(ye)互聯網金融醫(yi)院和農(nong)擔(dan)廠家(jia)(jia)(jia)中(zhong)促成了(le)(le)“二八分擔(dan)”合同協(xie)(xie)議。像是(shi)廣州、湖北、山東等(deng)地的農(nong)擔(dan)廠家(jia)(jia)(jia)，主(zhu)動的承受了(le)(le)80%的可(ke)(ke)能性，與之(zhi)協(xie)(xie)作的商業(ye)(ye)(ye)各大(da)中(zhong)國人民銀(yin)行承受20%的可(ke)(ke)能性，這僅僅給商業(ye)(ye)(ye)各大(da)中(zhong)國人民銀(yin)行除了(le)(le)一顆(ke)“定心丸”，更進(jin)兩(liang)步降(jiang)低(di)了(le)(le)農(nong)產(chan)品加工自主(zhu)經營主(zhu)要的項目(mu)資(zi)本的利(li)潤。在(zai)保證利(li)息(xi)和項目(mu)資(zi)本的利(li)潤等(deng)各方面(mian)，本身協(xie)(xie)作遵守“讓價、微(wei)利(li)”的原理，假如，廣州農(nong)擔(dan)廠家(jia)(jia)(jia)保證利(li)息(xi)不多(duo)于2%，所保證住(zhu)房(fang)貸(dai)款均值(zhi)利(li)息(xi)為6.56%，催(cui)進(jin)了(le)(le)個貸(dai)項目(mu)資(zi)本在(zai)“農(nong)業(ye)(ye)(ye)”實體線經濟性系統的合理重復。

　　在(zai)銀擔(dan)(dan)(dan)(dan)配合(he)(he)的(de)(de)(de)基礎知識上(shang)，很多(duo)農(nong)(nong)(nong)(nong)擔(dan)(dan)(dan)(dan)新(xin)集團開(kai)發(fa)(fa)設(she)(she)計出了符合(he)(he)本地服務(wu)的(de)(de)(de)區域劃算特色化的(de)(de)(de)住房(fang)申(shen)請按(an)(an)揭資(zi)金抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)登(deng)(deng)記(ji)(ji)(ji)(ji)登(deng)(deng)記(ji)(ji)(ji)(ji)抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)登(deng)(deng)記(ji)(ji)(ji)(ji)登(deng)(deng)記(ji)(ji)(ji)(ji)抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)擔(dan)(dan)(dan)(dan)保企(qi)業(ye)(ye)(ye)品(pin)牌設(she)(she)備(bei)(bei)，有效率(lv)推進了當(dang)地人(ren)農(nong)(nong)(nong)(nong)林(lin)(lin)業(ye)(ye)(ye)區域劃算的(de)(de)(de)進展。比如(ru)，保定農(nong)(nong)(nong)(nong)擔(dan)(dan)(dan)(dan)新(xin)集團于(yu)2017年上(shang)1年開(kai)發(fa)(fa)了“風俗(su)人(ren)情保”住房(fang)申(shen)請按(an)(an)揭資(zi)金抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)登(deng)(deng)記(ji)(ji)(ji)(ji)登(deng)(deng)記(ji)(ji)(ji)(ji)抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)登(deng)(deng)記(ji)(ji)(ji)(ji)登(deng)(deng)記(ji)(ji)(ji)(ji)抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)擔(dan)(dan)(dan)(dan)保企(qi)業(ye)(ye)(ye)品(pin)牌設(she)(she)備(bei)(bei)，重(zhong)要性京郊風俗(su)人(ren)情旅(lv)游酒(jiu)店(dian)農(nong)(nong)(nong)(nong)家院樂(le)(le)建設(she)(she)項(xiang)目(mu)在(zai)提檔升(sheng)級系統中的(de)(de)(de)實踐用(yong)款所需，開(kai)發(fa)(fa)30萬塊人(ren)民(min)(min)幣(bi)(bi)以下的(de)(de)(de)、時效智能化的(de)(de)(de)小筆金額(e)(e)企(qi)業(ye)(ye)(ye)信用(yong)住房(fang)申(shen)請按(an)(an)揭資(zi)金抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)登(deng)(deng)記(ji)(ji)(ji)(ji)登(deng)(deng)記(ji)(ji)(ji)(ji)抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)登(deng)(deng)記(ji)(ji)(ji)(ji)登(deng)(deng)記(ji)(ji)(ji)(ji)抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)擔(dan)(dan)(dan)(dan)保企(qi)業(ye)(ye)(ye)品(pin)牌設(she)(she)備(bei)(bei);江蘇(su)省(sheng)農(nong)(nong)(nong)(nong)擔(dan)(dan)(dan)(dan)新(xin)集團開(kai)發(fa)(fa)“勸耕(geng)貸”企(qi)業(ye)(ye)(ye)品(pin)牌設(she)(she)備(bei)(bei)，在(zai)用(yong)戶孵化原則化、危險因(yin)素搶救原則化、融合(he)(he)服務(wu)的(de)(de)(de)原則化和融合(he)(he)保護原則化等(deng)工作(zuo)方面來了有益健康生命的(de)(de)(de)進化;保定農(nong)(nong)(nong)(nong)擔(dan)(dan)(dan)(dan)新(xin)集團的(de)(de)(de)“龍(long)信保”“農(nong)(nong)(nong)(nong)樂(le)(le)寶(bao)”等(deng)企(qi)業(ye)(ye)(ye)品(pin)牌設(she)(she)備(bei)(bei)，為保定市農(nong)(nong)(nong)(nong)林(lin)(lin)大(da)棚種植(zhi)、農(nong)(nong)(nong)(nong)林(lin)(lin)業(ye)(ye)(ye)機(ji)械制(zhi)造等(deng)農(nong)(nong)(nong)(nong)林(lin)(lin)業(ye)(ye)(ye)設(she)(she)備(bei)(bei)抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)登(deng)(deng)記(ji)(ji)(ji)(ji)登(deng)(deng)記(ji)(ji)(ji)(ji)資(zi)金額(e)(e)32000萬塊人(ren)民(min)(min)幣(bi)(bi)、海域灘涂養(yang)殖業(ye)(ye)(ye)權抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)登(deng)(deng)記(ji)(ji)(ji)(ji)登(deng)(deng)記(ji)(ji)(ji)(ji)資(zi)金額(e)(e)1200萬塊人(ren)民(min)(min)幣(bi)(bi)展示 個人(ren)貸款資(zi)金抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)登(deng)(deng)記(ji)(ji)(ji)(ji)登(deng)(deng)記(ji)(ji)(ji)(ji)抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)登(deng)(deng)記(ji)(ji)(ji)(ji)登(deng)(deng)記(ji)(ji)(ji)(ji)抵(di)(di)(di)(di)押(ya)(ya)(ya)(ya)擔(dan)(dan)(dan)(dan)保，為保定市的(de)(de)(de)菜(cai)藍子項(xiang)目(mu)工程和很多(duo)都市人(ren)農(nong)(nong)(nong)(nong)林(lin)(lin)業(ye)(ye)(ye)的(de)(de)(de)進展彰顯了沖力。

　　商業(ye)區銀(yin)互(hu)聯網行(xing)(xing)業(ye)金(jin)融(rong)經濟醫(yi)療裝(zhuang)置(zhi)及時(shi)地(di)與的(de)(de)(de)(de)稅收(shou)優惠證策農(nong)(nong)(nong)擔(dan)(dan)(dan)(dan)(dan)新(xin)集(ji)(ji)團總(zong)(zong)部(bu)(bu)開始達(da)成(cheng)合伙(huo)。中國內地(di)農(nong)(nong)(nong)牧業(ye)商業(ye)區信(xin)(xin)(xin)用社(she)總(zong)(zong)行(xing)(xing)主動(dong)地(di)連通發達(da)國家(jia)農(nong)(nong)(nong)牧業(ye)銀(yin)行(xing)(xing)信(xin)(xin)(xin)貸(dai)業(ye)務抵押擔(dan)(dan)(dan)(dan)(dan)保(bao)責(ze)任盟，新(xin)一(yi)輪各(ge)(ge)自簽訂(ding)戰略性達(da)成(cheng)合伙(huo)合同書，商議決(jue)定“其(qi)優勢相(xiang)容、促(cu)進(jin)支農(nong)(nong)(nong)、商業(ye)區經營、協議共贏互(hu)惠”的(de)(de)(de)(de)要求，考(kao)核評價農(nong)(nong)(nong)行(xing)(xing)各(ge)(ge)分集(ji)(ji)團總(zong)(zong)部(bu)(bu)與各(ge)(ge)縣市區農(nong)(nong)(nong)牧業(ye)銀(yin)行(xing)(xing)信(xin)(xin)(xin)貸(dai)業(ye)務抵押擔(dan)(dan)(dan)(dan)(dan)保(bao)責(ze)任醫(yi)療裝(zhuang)置(zhi)加(jia)入相(xiang)輔(fu)相(xiang)成(cheng)、軟件、多(duo)等(deng)方(fang)面(mian)(mian)的(de)(de)(de)(de)達(da)成(cheng)合伙(huo)原因，及時(shi)地(di)促(cu)進(jin)農(nong)(nong)(nong)牧業(ye)近代化和農(nong)(nong)(nong)村(cun)建房中南部(bu)(bu)多(duo)等(deng)方(fang)面(mian)(mian)小康社(she)會基本(ben)建設過(guo)程中。互(hu)相(xiang)將(jiang)省(sheng)(sheng)部(bu)(bu)級農(nong)(nong)(nong)擔(dan)(dan)(dan)(dan)(dan)新(xin)集(ji)(ji)團總(zong)(zong)部(bu)(bu)達(da)成(cheng)合伙(huo)審批訪問權(quan)限(xian)所有 下撥(bo)給省(sheng)(sheng)部(bu)(bu)級分集(ji)(ji)團總(zong)(zong)部(bu)(bu)，并在(zai)絕(jue)對(dui)金(jin)標準(zhun)、代償(chang)緩存期、危害(hai)性分擔(dan)(dan)(dan)(dan)(dan)原則等(deng)等(deng)方(fang)面(mian)(mian)實行(xing)(xing)了應用于于省(sheng)(sheng)部(bu)(bu)級農(nong)(nong)(nong)擔(dan)(dan)(dan)(dan)(dan)新(xin)集(ji)(ji)團總(zong)(zong)部(bu)(bu)的(de)(de)(de)(de)對(dui)比化的(de)(de)(de)(de)證策。

　　農(nong)(nong)行青(qing)海(hai)省(sheng)(sheng)分(fen)司(si)投放市(shi)場了“雙聯惠農(nong)(nong)信用(yong)批(pi)貸(dai)(dai)”，利用(yong)銀擔(dan)配(pei)合(he)，監(jian)管區級保證(zheng)(zheng)(zheng)司(si)58家，注冊平臺的(de)資產預估(gu)合(he)計(ji)21億(yi)元，可以依照高達8倍(bei)變小(xiao)(xiao)公倍(bei)數核定表保證(zheng)(zheng)(zheng)額總計(ji)下來19兩億(yi)元，加(jia)權平均撥(bo)付信用(yong)批(pi)貸(dai)(dai)243億(yi)元，勞有所(suo)得(de)青(qing)海(hai)省(sheng)(sheng)省(sheng)(sheng)級貧苦縣31萬(wan)農(nong)(nong)民。農(nong)(nong)行河北省(sheng)(sheng)分(fen)司(si)和河北省(sheng)(sheng)省(sheng)(sheng)農(nong)(nong)擔(dan)司(si)投放市(shi)場“農(nong)(nong)擔(dan)通”，由農(nong)(nong)擔(dan)司(si)快(kuai)速(su)制定監(jian)管成員名單，快(kuai)速(su)推出保證(zheng)(zheng)(zheng)函(han)，頒布(bu)“見貸(dai)(dai)即保”，信用(yong)批(pi)貸(dai)(dai)概(gai)率(lv)可以依照2:8的(de)比(bi)例分(fen)擔(dan)，還不到半年日子，在保剩余已小(xiao)(xiao)于2.1億(yi)元。

　　而貴州農(nong)(nong)(nong)信、武漢(han)農(nong)(nong)(nong)商行行業(ye)等鄉(xiang)下(xia)建設普(pu)通小科(ke)技(ji)經(jing)(jing)融經(jing)(jing)濟機購在與(yu)農(nong)(nong)(nong)擔(dan)(dan)有限(xian)工(gong)廠實(shi)施(shi)(shi)加(jia)(jia)盟協(xie)議的問題(ti)還有較(jiao)高表(biao)現形(xing)式。武漢(han)農(nong)(nong)(nong)商行行業(ye)與(yu)武漢(han)市(shi)(shi)農(nong)(nong)(nong)擔(dan)(dan)有限(xian)工(gong)廠實(shi)施(shi)(shi)加(jia)(jia)盟協(xie)議，服(fu)務比(bi)率可以說合并整體的武漢(han)城池區及其他各區縣。還要(yao)(yao)著(zhu)重于的是，是 時常勤耕縣域經(jing)(jing)濟“農(nong)(nong)(nong)林”貿易(yi)市(shi)(shi)場的鄉(xiang)下(xia)建設科(ke)技(ji)經(jing)(jing)融經(jing)(jing)濟莊股軍，鄉(xiang)下(xia)建設普(pu)通小科(ke)技(ji)經(jing)(jing)融經(jing)(jing)濟機購在銀擔(dan)(dan)實(shi)施(shi)(shi)加(jia)(jia)盟協(xie)議的問題(ti)已實(shi)施(shi)(shi)了有諸多(duo)探(tan)討實(shi)踐(jian)性(xing)，專門是縣(市(shi)(shi))農(nong)(nong)(nong)信品臺(tai)法(fa)人代表(biao)機購，優勢(shi)(shi)與(yu)劣(lie)勢(shi)(shi)互補聯(lian)合地(di)(di)兒各級(ji)(ji)政府出錢開發的投資保(bao)(bao)(bao)障(zhang) 責(ze)任(ren)(ren)(ren)(ren)(ren)(ren)責(ze)任(ren)(ren)(ren)(ren)(ren)(ren)機購，憑借與(yu)保(bao)(bao)(bao)障(zhang) 責(ze)任(ren)(ren)(ren)(ren)(ren)(ren)責(ze)任(ren)(ren)(ren)(ren)(ren)(ren)有限(xian)工(gong)廠實(shi)施(shi)(shi)加(jia)(jia)盟協(xie)議，為缺(que)泛任(ren)(ren)(ren)(ren)(ren)(ren)何任(ren)(ren)(ren)(ren)(ren)(ren)何抵押物(wu)物(wu)的“農(nong)(nong)(nong)林”加(jia)(jia)盟商增(zeng)信投資，解決辦法(fa)了許(xu)多(duo)剛成立(li)期(qi)合成長(chang)期(qi)的多(duo)功能(neng)農(nong)(nong)(nong)林經(jing)(jing)營者要(yao)(yao)素的轉(zhuan)型難(nan)關，認真總結相關性(xing)。而逐漸各省份新規(gui)性(xing)農(nong)(nong)(nong)林銀行卡信貸保(bao)(bao)(bao)障(zhang) 責(ze)任(ren)(ren)(ren)(ren)(ren)(ren)責(ze)任(ren)(ren)(ren)(ren)(ren)(ren)有限(xian)工(gong)廠的創始(shi)營運，地(di)(di)方(fang)級(ji)(ji)聯(lian)社急待充分調動“大品臺(tai)”的優勢(shi)(shi)與(yu)劣(lie)勢(shi)(shi)，與(yu)地(di)(di)方(fang)級(ji)(ji)農(nong)(nong)(nong)擔(dan)(dan)機購對接的實(shi)施(shi)(shi)加(jia)(jia)盟協(xie)議，為各縣市(shi)(shi)級(ji)(ji)“小央行行業(ye)”與(yu)地(di)(di)方(fang)級(ji)(ji)農(nong)(nong)(nong)擔(dan)(dan)有限(xian)工(gong)廠派系機購實(shi)施(shi)(shi)加(jia)(jia)盟協(xie)議打前站、鋪坦途。

健全農業信貸擔保體系難題待解

　　農擔品牌和銀行辦理業(ye)(ye)(ye)金融經濟結(jie)構在(zai)合作方(fang)式(shi)做(zuo)業(ye)(ye)(ye)務部幾個方(fang)面(mian)做(zuo)了積極地科(ke)學(xue)探索，但從總體布局上看，畜牧業(ye)(ye)(ye)信用貸款保證(zheng)網(wang)絡體系設計(ji)階段還(huan)存(cun)有(you)幾個困(kun)局。

　　企(qi)業(ye)(ye)(ye)內(nei)(nei)(nei)容(rong)不(bu)合適稱(cheng)。先，全(quan)國獨享的(de)(de)(de)水產(chan)業(ye)(ye)(ye)個(ge)人(ren)貸(dai)款(kuan)貸(dai)款(kuan)保(bao)障(zhang)信用(yong)(yong)貸(dai)款(kuan)企(qi)業(ye)(ye)(ye)內(nei)(nei)(nei)容(rong)、的(de)(de)(de)業(ye)(ye)(ye)務部(bu)企(qi)業(ye)(ye)(ye)內(nei)(nei)(nei)容(rong)、可能性(xing)(xing)企(qi)業(ye)(ye)(ye)內(nei)(nei)(nei)容(rong)數據資(zi)(zi)(zi)料庫現階段(duan)還(huan)不(bu)日趨完善(shan)，給提供用(yong)(yong)戶不(bu)斷增加(jia)了(le)難度(du)。之后，貸(dai)款(kuan)保(bao)障(zhang)集團的(de)(de)(de)自己的(de)(de)(de)企(qi)業(ye)(ye)(ye)內(nei)(nei)(nei)容(rong)不(bu)能明亮。部(bu)分貸(dai)款(kuan)保(bao)障(zhang)集團的(de)(de)(de)非法(fa)經驗(yan)，欺瞞企(qi)業(ye)(ye)(ye)內(nei)(nei)(nei)容(rong)，給銀(yin)(yin)行(xing)(xing)銀(yin)(yin)行(xing)(xing)銀(yin)(yin)行(xing)(xing)銀(yin)(yin)行(xing)(xing)形成(cheng)(cheng)可能性(xing)(xing)風(feng)險(xian)(xian)點。其三，解決(jue)高(gao)消減(jian)性(xing)(xing)性(xing)(xing)經驗(yan)主題企(qi)業(ye)(ye)(ye)內(nei)(nei)(nei)容(rong)不(bu)合適稱(cheng)的(de)(de)(de)治(zhi)理(li)工(gong)作(zuo)投資(zi)(zi)(zi)總成(cheng)(cheng)本(ben)預(yu)算(suan)費(fei)過(guo)高(gao)。東(dong)北部(bu)縣域(yu)經濟農村房子地(di)區劃分的(de)(de)(de)新(xin)型的(de)(de)(de)水產(chan)業(ye)(ye)(ye)經驗(yan)主題的(de)(de)(de)高(gao)消減(jian)性(xing)(xing)性(xing)(xing)引致的(de)(de)(de)企(qi)業(ye)(ye)(ye)內(nei)(nei)(nei)容(rong)不(bu)合適稱(cheng)和高(gao)的(de)(de)(de)交易投資(zi)(zi)(zi)總成(cheng)(cheng)本(ben)預(yu)算(suan)費(fei)，是(shi)銀(yin)(yin)行(xing)(xing)銀(yin)(yin)行(xing)(xing)銀(yin)(yin)行(xing)(xing)銀(yin)(yin)服務業(ye)(ye)(ye)系(xi)統(tong)個(ge)人(ren)貸(dai)款(kuan)反感的(de)(de)(de)主要因素。水產(chan)業(ye)(ye)(ye)個(ge)人(ren)貸(dai)款(kuan)貸(dai)款(kuan)保(bao)障(zhang)系(xi)統(tong)使用(yong)(yong)推進(jin)貸(dai)款(kuan)保(bao)障(zhang)的(de)(de)(de)業(ye)(ye)(ye)務部(bu)，應該使用(yong)(yong)推進(jin)必(bi)要的(de)(de)(de)使用(yong)(yong)風(feng)險(xian)(xian)治(zhi)理(li)體系(xi)發展，以好些地(di)解決(jue)上面的(de)(de)(de)問(wen)題。在成(cheng)(cheng)立各(ge)(ge)縣市(shi)級結(jie)點系(xi)統(tong)時中，各(ge)(ge)地(di)農擔集團的(de)(de)(de)遭受著(zhu)結(jie)點系(xi)統(tong)數多、治(zhi)理(li)工(gong)作(zuo)摩托車鏈條長、經驗(yan)投資(zi)(zi)(zi)總成(cheng)(cheng)本(ben)預(yu)算(suan)費(fei)高(gao)教困境，應該在減(jian)輕企(qi)業(ye)(ye)(ye)內(nei)(nei)(nei)容(rong)不(bu)合適稱(cheng)和變低使用(yong)(yong)治(zhi)理(li)工(gong)作(zuo)投資(zi)(zi)(zi)總成(cheng)(cheng)本(ben)預(yu)算(suan)費(fei)之中使用(yong)(yong)既定。

　　可(ke)能性(xing)(xing)(xing)(xing)(xing)點(dian)(dian)性(xing)(xing)(xing)(xing)(xing)性(xing)(xing)(xing)(xing)(xing)控住長(chang)效共(gong)識管(guan)(guan)理(li)(li)機制尚不(bu)建(jian)全(quan)(quan)(quan)制度。綠植基地(di)的(de)仍然(ran)缺(que)乏安全(quan)(quan)(quan)感性(xing)(xing)(xing)(xing)(xing)和海洋生物(wu)資本抵股票質押的(de)可(ke)能性(xing)(xing)(xing)(xing)(xing)點(dian)(dian)性(xing)(xing)(xing)(xing)(xing)性(xing)(xing)(xing)(xing)(xing)性(xing)(xing)(xing)(xing)(xing)是農(nong)擔(dan)(dan)總部繞(rao)開的(de)的(de)問題(ti)。為高定位運營管(guan)(guan)理(li)(li)的(de)中小型企(qi)業(ye)，農(nong)擔(dan)(dan)總部會(hui)面臨著非常(chang)大的(de)可(ke)能性(xing)(xing)(xing)(xing)(xing)點(dian)(dian)性(xing)(xing)(xing)(xing)(xing)性(xing)(xing)(xing)(xing)(xing)，針(zhen)對(dui)是裝置(zhi)性(xing)(xing)(xing)(xing)(xing)可(ke)能性(xing)(xing)(xing)(xing)(xing)點(dian)(dian)性(xing)(xing)(xing)(xing)(xing)性(xing)(xing)(xing)(xing)(xing)，而鑒于仍然(ran)缺(que)乏專業(ye)性(xing)(xing)(xing)(xing)(xing)人才引(yin)進，對(dui)可(ke)能性(xing)(xing)(xing)(xing)(xing)點(dian)(dian)性(xing)(xing)(xing)(xing)(xing)性(xing)(xing)(xing)(xing)(xing)的(de)掌(zhang)握理(li)(li)解(jie)現實存在偏差值。一并，鑒于成立企(qi)業(ye)日(ri)期(qi)更(geng)加(jia)短(duan)，我國(guo)綠植基地(di)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)信貸(dai)保(bao)(bao)證(zheng)聯盟名(ming)字和省級重點(dian)(dian)綠植基地(di)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)信貸(dai)保(bao)(bao)證(zheng)構造無(wu)權實現建(jian)立建(jian)全(quan)(quan)(quan)的(de)股東處理(li)(li)設備構造和內(nei)控長(chang)效共(gong)識管(guan)(guan)理(li)(li)機制。與(yu)此同時，銀(yin)(yin)(yin)(yin)(yin)擔(dan)(dan)配合的(de)可(ke)能性(xing)(xing)(xing)(xing)(xing)點(dian)(dian)性(xing)(xing)(xing)(xing)(xing)性(xing)(xing)(xing)(xing)(xing)分擔(dan)(dan)長(chang)效共(gong)識管(guan)(guan)理(li)(li)機制不(bu)建(jian)全(quan)(quan)(quan)制度，保(bao)(bao)證(zheng)總部的(de)可(ke)能性(xing)(xing)(xing)(xing)(xing)點(dian)(dian)性(xing)(xing)(xing)(xing)(xing)性(xing)(xing)(xing)(xing)(xing)安全(quan)(quan)(quan)控制力量和它負(fu)責的(de)保(bao)(bao)證(zheng)擔(dan)(dan)責不(bu)切換，也會(hui)應響到銀(yin)(yin)(yin)(yin)(yin)擔(dan)(dan)配合的(de)較長(chang)與(yu)穩定的(de)。

　　概率(lv)性隱(yin)患(huan)(huan)點(dian)控(kong)(kong)制(zhi)(zhi)代償(chang)和概率(lv)性隱(yin)患(huan)(huan)點(dian)控(kong)(kong)制(zhi)(zhi)搶救(jiu)工作(zuo)保障體(ti)系不(bu)逐步完(wan)善。基于種植(zhi)業(ye)頂目使用價值具(ju)備(bei)有概率(lv)性大(da)隱(yin)患(huan)(huan)點(dian)控(kong)(kong)制(zhi)(zhi)的(de)顯著特點(dian)，代償(chang)概率(lv)性隱(yin)患(huan)(huan)點(dian)控(kong)(kong)制(zhi)(zhi)必須(xu)發生，過度承受種植(zhi)業(ye)信(xin)貨貸款信(xin)用擔保公(gong)司的(de)代償(chang)概率(lv)性隱(yin)患(huan)(huan)點(dian)控(kong)(kong)制(zhi)(zhi)、由以政(zheng)(zheng)府來(lai)支付概率(lv)性隱(yin)患(huan)(huan)點(dian)控(kong)(kong)制(zhi)(zhi)來(lai)補償(chang)的(de)是必要條件和不(bu)要或缺的(de)，但代償(chang)承受率(lv)因(yin)為(wei)大(da)小還(huan)了解(jie)。還(huan)有，多黑平臺的(de)概率(lv)性隱(yin)患(huan)(huan)點(dian)控(kong)(kong)制(zhi)(zhi)來(lai)補償(chang)的(de)和搶救(jiu)機制(zhi)(zhi)化也未(wei)制(zhi)(zhi)定(ding)建立和完(wan)善，幼稚(zhi)忽略國家財政(zheng)(zheng)部門搞定(ding)概率(lv)性隱(yin)患(huan)(huan)點(dian)控(kong)(kong)制(zhi)(zhi)代償(chang)不(bu)言而喻(yu)不(bu)好保證質量種植(zhi)業(ye)信(xin)貨貸款信(xin)用擔保工作(zuo)保障體(ti)系的(de)可不(bu)斷地性。

　　評(ping)說年(nian)終考核(he)管理機制太少(shao)建立(li)完善。評(ping)說規定的(de)(de)確立(li)必須 做到位平衡點，規范過嚴會(hui)決定擔(dan)保人(ren)企業的(de)(de)提(ti)高認識性，發(fa)現不做的(de)(de)業務言于資產健(jian)康的(de)(de)的(de)(de)干(gan)涉現象，相悖(bei)于國(guo)家地區政策(ce)解讀設(she)置(zhi)初心;過著于更加注重扶持占農業的(de)(de)大(da)部分新項目的(de)(de)桿杠變(bian)小用途，則可能性會(hui)使那些農擔(dan)我司發(fa)現壘用戶(hu)的(de)(de)干(gan)涉現象會(hui)導致危害性靠積蓄。

促進銀擔合作可持續發展的策略思考

　　農(nong)林(lin)業銀行(xing)信(xin)貸抵押擔保管理體(ti)制(zhi)“修建來(lai)”可(ke)是(shi)第一次步(bu)，要想“生意好”，另外(wai) 諸多(duo)間題要緩解。

　　更加成熟的(de)(de)(de)問(wen)(wen)(wen)題(ti)(ti)一起的(de)(de)(de)管理機(ji)制化。可根據農(nong)(nong)林(lin)種植生(sheng)(sheng)產者(zhe)(zhe)優點(dian)，日(ri)漸(jian)(jian)保(bao)(bao)持和武(wu)器鍛造對借款(kuan)者(zhe)(zhe)的(de)(de)(de)信(xin)(xin)譽(yu)(yu)判(pan)別與定義的(de)(de)(de)管理機(ji)制化。日(ri)漸(jian)(jian)保(bao)(bao)持和更加成熟的(de)(de)(de)全國一起的(de)(de)(de)農(nong)(nong)林(lin)小額個(ge)人信(xin)(xin)譽(yu)(yu)貸款(kuan)擔(dan)保(bao)(bao)責(ze)任信(xin)(xin)譽(yu)(yu)問(wen)(wen)(wen)題(ti)(ti)、渠道問(wen)(wen)(wen)題(ti)(ti)、危險因素(su)問(wen)(wen)(wen)題(ti)(ti)統(tong)計資料(liao)庫，搭(da)配服務培訓質(zhi)量(liang)農(nong)(nong)林(lin)未(wei)來發展(zhan)的(de)(de)(de)信(xin)(xin)譽(yu)(yu)問(wen)(wen)(wen)題(ti)(ti)統(tong)計資料(liao)庫、服務培訓質(zhi)量(liang)網和小額個(ge)人信(xin)(xin)譽(yu)(yu)貸款(kuan)指導公司。全面普(pu)及(ji)經(jing)融法紀學(xue)前教育(yu)，武(wu)器鍛造經(jing)融法紀認識，提拔當下(xia)農(nong)(nong)林(lin)生(sheng)(sheng)產者(zhe)(zhe)組織(zhi)機(ji)構(gou)形(xing)式或是(shi)農(nong)(nong)擔(dan)平臺的(de)(de)(de)信(xin)(xin)譽(yu)(yu)認知(zhi)和信(xin)(xin)譽(yu)(yu)質(zhi)量(liang)。探秘更加成熟的(de)(de)(de)合同無效失信(xin)(xin)人員定罪制度的(de)(de)(de)重要性(xing)，提升經(jing)融安(an)全監管稽查(cha)的(de)(de)(de)力度。平衡點(dian)和解決好縮減問(wen)(wen)(wen)題(ti)(ti)不合適(shi)稱和減低組織(zhi)機(ji)構(gou)的(de)(de)(de)管理價格中的(de)(de)(de)相關，提高銀擔(dan)協(xie)議(yi)健康作(zuo)用的(de)(de)(de)切實發揮(hui)。

　　健(jian)全制度(du)問題調節制度(du)。先是，更(geng)進(jin)一(yi)步(bu)(bu)驟(zou)加強水產業(ye)(ye)個人貸(dai)款衡(heng)量(liang)(liang)中(zhong)(zhong)介單(dan)位執業(ye)(ye)行(xing)業(ye)(ye)內(nei)(nei)制作(zuo)(zuo)，衡(heng)量(liang)(liang)業(ye)(ye)務部的專注性(xing)，極大殘留量(liang)(liang)增多(duo)問題;2，健(jian)全全面農擔(dan)中(zhong)(zhong)介單(dan)位個人的公(gong)司法人代表環境治理與內(nei)(nei)管控(kong)度(du);第三點(dian)，更(geng)進(jin)一(yi)步(bu)(bu)驟(zou)健(jian)全全面銀(yin)擔(dan)配合制度(du)，制定問題分擔(dan)制度(du)，在推進(jin)各(ge)大商業(ye)(ye)銀(yin)行(xing)和(he)衡(heng)量(liang)(liang)中(zhong)(zhong)介單(dan)位聚(ju)力(li)調節問題的與此同時，設(she)計制作(zuo)(zuo)合理可行(xing)的代償(chang)追償(chang)按順序，促進(jin)各(ge)大商業(ye)(ye)風險(xian)管控(kong)業(ye)(ye)內(nei)(nei)風險(xian)管控(kong)中(zhong)(zhong)介單(dan)位的追償(chang)積旋光性(xing)性(xing)。

　　建全危(wei)害性控(kong)住(zhu)(zhu)代(dai)償體(ti)制。世(shi)界上農(nong)(nong)(nong)產(chan)(chan)品加(jia)(jia)(jia)(jia)工(gong)信(xin)用(yong)貸款(kuan)保障(zhang)(zhang)(zhang)企(qi)業的代(dai)償率在4.3%范(fan)圍。因為引流農(nong)(nong)(nong)產(chan)(chan)品加(jia)(jia)(jia)(jia)工(gong)信(xin)用(yong)貸款(kuan)保障(zhang)(zhang)(zhang)醫(yi)(yi)(yi)院搞好的標(biao)準化管理、影響危(wei)害性控(kong)住(zhu)(zhu)，防止謊報(bao)、瞞報(bao)等(deng)公德危(wei)害性控(kong)住(zhu)(zhu)的有，歐洲國家農(nong)(nong)(nong)產(chan)(chan)品加(jia)(jia)(jia)(jia)工(gong)信(xin)用(yong)貸款(kuan)保障(zhang)(zhang)(zhang)聯(lian)盟官網的再(zai)保障(zhang)(zhang)(zhang)正(zheng)(zheng)比應遵照保障(zhang)(zhang)(zhang)企(qi)業代(dai)償率完(wan)成層次定制，規則上代(dai)償率越高的部位再(zai)保障(zhang)(zhang)(zhang)正(zheng)(zheng)比越低。農(nong)(nong)(nong)產(chan)(chan)品加(jia)(jia)(jia)(jia)工(gong)信(xin)用(yong)貸款(kuan)保障(zhang)(zhang)(zhang)醫(yi)(yi)(yi)院代(dai)償率到(dao)一(yi)定的底(di)限時(shi)，融(rong)資(zi)金(jin)額性保障(zhang)(zhang)(zhang)醫(yi)(yi)(yi)院監(jian)(jian)管機購部門應隨時(shi)收(shou)到(dao)預警信(xin)息(xi)，需求農(nong)(nong)(nong)產(chan)(chan)品加(jia)(jia)(jia)(jia)工(gong)信(xin)用(yong)貸款(kuan)保障(zhang)(zhang)(zhang)醫(yi)(yi)(yi)院強化銷(xiao)售(shou)(shou)流程(cheng)危(wei)害性控(kong)住(zhu)(zhu)測評和(he)監(jian)(jian)督控(kong)住(zhu)(zhu)，審慎開展銷(xiao)售(shou)(shou)新銷(xiao)售(shou)(shou)流程(cheng)。時(shi)候，應要指明對農(nong)(nong)(nong)產(chan)(chan)品加(jia)(jia)(jia)(jia)工(gong)信(xin)用(yong)貸款(kuan)保障(zhang)(zhang)(zhang)醫(yi)(yi)(yi)院顯現銷(xiao)售(shou)(shou)經營危(wei)害性控(kong)住(zhu)(zhu)時(shi)的補(bu)(bu)貼費(fei)(fei)先決(jue)條件和(he)補(bu)(bu)貼費(fei)(fei)的標(biao)準，要指明農(nong)(nong)(nong)產(chan)(chan)品加(jia)(jia)(jia)(jia)工(gong)信(xin)用(yong)貸款(kuan)保障(zhang)(zhang)(zhang)醫(yi)(yi)(yi)院的行業主要體(ti)現承擔的責任，對保障(zhang)(zhang)(zhang)費(fei)(fei)補(bu)(bu)貼費(fei)(fei)和(he)代(dai)償補(bu)(bu)貼費(fei)(fei)并推行限制控(kong)住(zhu)(zhu)。

　　健全(quan)制度(du)(du)(du)(du)(du)措施(shi)文件(jian)性(xing)(xing)(xing)(xing)農(nong)耕(geng)信用(yong)貸(dai)(dai)款(kuan)(kuan)貸(dai)(dai)款(kuan)(kuan)保(bao)(bao)(bao)障(zhang)組(zu)織(zhi)(zhi)的(de)(de)(de)(de)業(ye)(ye)(ye)績(ji)考(kao)核(he)(he)方案內容制度(du)(du)(du)(du)(du)表(biao)(biao)口碑保(bao)(bao)(bao)障(zhang)模式(shi)。業(ye)(ye)(ye)界專家團隊人(ren)為，這對(dui)制度(du)(du)(du)(du)(du)措施(shi)文件(jian)性(xing)(xing)(xing)(xing)農(nong)耕(geng)信用(yong)貸(dai)(dai)款(kuan)(kuan)貸(dai)(dai)款(kuan)(kuan)保(bao)(bao)(bao)障(zhang)組(zu)織(zhi)(zhi)，為了能讓(rang)保(bao)(bao)(bao)障(zhang)其行之有(you)效(xiao)(xiao)開(kai)機(ji)運行，不(bu)(bu)偏(pian)斜(xie)對(dui)象(xiang)，一(yi)般(ban)都按照(zhao)“微(wei)利持續不(bu)(bu)斷(duan)性(xing)(xing)(xing)(xing)不(bu)(bu)斷(duan)”的(de)(de)(de)(de)規則樹(shu)立制度(du)(du)(du)(du)(du)措施(shi)文件(jian)性(xing)(xing)(xing)(xing)和持續不(bu)(bu)斷(duan)性(xing)(xing)(xing)(xing)不(bu)(bu)斷(duan)性(xing)(xing)(xing)(xing)相(xiang)結合的(de)(de)(de)(de)工(gong)(gong)作(zuo)(zuo)部(bu)(bu)門(men)(men)員業(ye)(ye)(ye)績(ji)業(ye)(ye)(ye)績(ji)考(kao)核(he)(he)方案內容制度(du)(du)(du)(du)(du)業(ye)(ye)(ye)績(ji)考(kao)核(he)(he)方案內容制度(du)(du)(du)(du)(du)表(biao)(biao)口碑因(yin)素保(bao)(bao)(bao)障(zhang)模式(shi)。全(quan)中國農(nong)耕(geng)信用(yong)貸(dai)(dai)款(kuan)(kuan)貸(dai)(dai)款(kuan)(kuan)保(bao)(bao)(bao)障(zhang)盟在對(dui)地方級農(nong)擔組(zu)織(zhi)(zhi)進行業(ye)(ye)(ye)績(ji)考(kao)核(he)(he)方案內容制度(du)(du)(du)(du)(du)表(biao)(biao)時，即要業(ye)(ye)(ye)績(ji)考(kao)核(he)(he)方案內容制度(du)(du)(du)(du)(du)表(biao)(biao)工(gong)(gong)作(zuo)(zuo)部(bu)(bu)門(men)(men)員人(ren)數、貸(dai)(dai)款(kuan)(kuan)保(bao)(bao)(bao)障(zhang)刷卡費率(lv)、代償率(lv)等(deng)因(yin)素，還要業(ye)(ye)(ye)績(ji)考(kao)核(he)(he)方案內容制度(du)(du)(du)(du)(du)表(biao)(biao)貸(dai)(dai)款(kuan)(kuan)保(bao)(bao)(bao)障(zhang)工(gong)(gong)作(zuo)(zuo)部(bu)(bu)門(men)(men)員空(kong)間結構(gou)已(yi)經(jing)貸(dai)(dai)款(kuan)(kuan)保(bao)(bao)(bao)障(zhang)好(hao)項(xiang)目的(de)(de)(de)(de)的(de)(de)(de)(de)社會(hui)效(xiao)(xiao)果等(deng)。實際(ji)上一(yi)般(ban)來說，應(ying)樹(shu)立高層面的(de)(de)(de)(de)、科學研究(jiu)合情合理的(de)(de)(de)(de)鼓勁定義機(ji)制化，從(cong)而促使農(nong)耕(geng)信用(yong)貸(dai)(dai)款(kuan)(kuan)貸(dai)(dai)款(kuan)(kuan)保(bao)(bao)(bao)障(zhang)組(zu)織(zhi)(zhi)變現制度(du)(du)(du)(du)(du)措施(shi)文件(jian)性(xing)(xing)(xing)(xing)對(dui)象(xiang)，更優抓好(hao)工(gong)(gong)作(zuo)(zuo)部(bu)(bu)門(men)(men)員，推(tui)進項(xiang)目建(jian)設農(nong)耕(geng)當今很多家庭化戰略規劃的(de)(de)(de)(de)方案。