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最近,浙江省杭州市余杭区不少农民专业合作社社员,不依靠抵押,没有繁琐的手续,就拿到了自己的第一笔信用贷款。“到银行填了一张单子,填写了农田生产情况,前几天就拿到50万元贷款了。”在余杭区径山镇潘板桥村,32岁的农民廖翊稹站在自家的200亩芡实地前,信心满满。一直以来,由于农民专业合作社资产少、缺乏有效抵押物,并不是银行贷款青睐的对象;另一方面,随着现代农业的发展,合作社生产规模扩大,又亟需大量资金。农民专业合作社普遍遭遇到融资难的困境,这已经成为困扰他们继续发展壮大的瓶颈。现在,这个难题正在破冰。
Recently, many farmers’ cooperatives in Yuhang District, Hangzhou City, Zhejiang Province, got their first credit loan without resorting to mortgage or tedious formalities. “To the bank to fill in a list, fill in the farmland production conditions, a few days ago got 500000 yuan loan. ” In Yuhang District Kouyama town Pan Banqiao village, 32-year-old farmer Liao Yi Tung stand in their own 200 acres 芡 field before, full of confidence. All along, the lack of effective collateral for farmer cooperatives is not the target of bank loans. On the other hand, with the development of modern agriculture, cooperatives have expanded their production scale and are in urgent need of large amounts of funds. Farmers’ specialized cooperatives have generally encountered difficulties in financing and have become the bottleneck that plagued them to continue to grow and develop. Now, the puzzle is breaking ice.