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异地创业贷款有效解决了农民异地创业融资难题,但是风险管理必须加强,唯有如此,这一业务创新才有可持续性浙江省开化县是典型的山区农业大县,由于土地少、工业发展受限等原因,当地大批农民外出务工创业。开化县联社关注异地创业农民的融资需求,为外出务工创业农民搭建融资平台,创新推出异地创业贷款,三年累计发放此类贷款2.5亿元,截至目前,余额已达1.03亿元。但这种本地放贷、异地创业的模式,存在异地贷前调查和贷后管理难以及缺少抵押担保、变现处置难等现实问题。要想保持这一融资服务的可持续性,必须把好风险关口。第一,强化实地调查力度,严把准入关。在实
Remote Venture Loans effectively solve the peasant problem of venture financing in different places, but the risk management must be strengthened. Only in this way can this business innovation be sustainable. Kaihua County, Zhejiang Province is a typical mountainous agricultural county. Due to less land and industrial development Limit and other reasons, a large number of local farmers go out to work pioneering. Kaihua County Association concerned about the financing needs of migrant farmers off-site for migrant workers to build financing platform for migrant workers to innovate the introduction of off-site venture loans, three years of such loans have been issued 250 million yuan, as of now, the balance has reached 103 million yuan. However, such local lending and off-site business start-ups have the following practical problems: the pre-lending survey and post-lending management, the lack of mortgage guarantee and the realization of cash disposal. In order to maintain the sustainability of this financing service, we must put a good balance of risks. First, strengthen the field investigation efforts, strict access. In fact