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对北京市郊区县农机户、农机服务组织、农村商业银行、农机管理部门人员进行电话调研,了解了各类主体对农机小额贷款的需求、看法,以及小额贷款运行情况。经分析,认为农机户有较强的贷款潜在需求,但现实贷款利率高、担保难、贷款手续繁琐,以及银行认为农机行业较种养业回收期长不愿意放贷等因素制约着贷款需求的满足。要解决贷款难的问题,就要重点从降低贷款使用成本和银行贷款风险入手,通过建立第3方担保和补贴机制,兼顾贷款供需双方利益,从而让银行愿意放贷,农民能够贷到款,达到农机户小额贷款供需的平衡。
Conducted a telephone survey of agricultural machine households, agricultural service organizations, rural commercial banks and agricultural machinery administration departments in suburban districts of Beijing to find out the needs and views of various types of agricultural microloans and the operation of small loans. After analysis, it is considered that the households with agricultural machinery have strong potential demand for loans, but the real loan interest rates are high, the guarantee is difficult, the loan procedures are complicated, and the banks think that the agricultural machinery industry is not willing to extend the loan-seeking period and other factors, which restricts the satisfaction of loan demand . To solve the problem of difficult loans, we should start with reducing the cost of using loans and the risks of bank loans. By setting up a third-party guarantee and subsidy mechanism and taking into consideration the interests of both suppliers and lenders, banks are willing to lend money and farmers can borrow money to meet The balance of supply and demand of agricultural micro-loans.