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生猪产业发展对于增加农民收入和稳定物价水平具有重要影响,而金融支持是提高生猪产业抗风险能力、促进生猪市场平稳有序发展的重要手段。笔者采用实地走访和问卷调查相结合的方式,对河北省唐山市50个生猪养殖场进行深入调研,针对银行信贷、养殖业保险两种主要金融手段,从供给和需求角度分析金融支持生猪养殖业的现状。通过供求均衡分析,认为现有的信贷服务在产品、流程、成本、额度、期限、抵押等方面,远远不能满足生猪养殖场的金融需求;养殖业保险由于产品设计不合理、配套管理体系不完善、道德风险严重等原因,其风险规避和损失补偿作用也未充分发挥。为了提升金融服务生猪产业效果,应该强化金融产品设计,创新抵押担保方式,完善生猪保险机制,探索产业链金融支持模式。
The development of pig industry has an important impact on increasing farmers’ income and stabilizing the price level. Financial support is an important means to improve the anti-risk ability of the pig industry and promote the stable and orderly development of the pig market. The author uses the field visit and questionnaire survey, a combination of 50 pig farms in Tangshan City, Hebei Province in-depth research for bank credit, animal husbandry and insurance two major financial instruments, from the perspective of supply and demand analysis of financial support for pig breeding The status quo. Through the equilibrium analysis of supply and demand, it is considered that the existing credit services are far from meeting the financial needs of pig farms in terms of products, processes, costs, quotas, deadlines and mortgages. Due to the unreasonable product design of aquaculture insurance, the supporting management system Perfect, serious moral hazard and other reasons, the role of risk aversion and loss compensation have not been given full play. In order to improve the financial services pig industry results, we should strengthen the design of financial products, innovative mortgage guarantee, improve the pig insurance mechanism, and explore the industrial chain financial support model.