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《物权法》的颁布和《应收账款质押登记办法》的出台,为农发行开展收费权质押担保贷款业务提供了充分的法律依据,更为农发行进一步拓展商业性贷款业务提供了契机。2007年6月份,浙江省温州市分行积极尝试自来水收费权质押担保方式,支持洞头县政府实施大陆饮水工程建设项目,项目贷款总额1亿元。截至2007年11月,实际发放贷款6000万元。该笔水费收费权质押贷款为提高贷款风险防范能力、支持社会主义新农村建设带来了良好的经济和社会效益。
The promulgation of the Property Law and the promulgation of the Measures for the Registration of Pledged Accounts Receivable provide sufficient legal basis for the Agricultural Development Bank to carry out the pledged secured loan business of toll collection rights and provide an opportunity for the Agricultural Development Bank to further expand its commercial loan business. In June 2007, the branch in Wenzhou City, Zhejiang Province, actively tried tap water pledge collateral to support the implementation of the Dongtou County government drinking water project in China, with a total project loan of 100 million yuan. As of November 2007, the actual loan was 60 million yuan. The pledge loan for water fee collection has brought good economic and social benefits to the construction of a new socialist countryside in order to enhance the ability of preventing loan risks.