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农发行商业性贷款业务开办以来,农业中小企业抵押、质押品品种范围窄、价值不足,抵押、质押手续繁琐,一直是制约基层行信贷业务发展的“瓶颈”。《物权法》的实施,为有效解决这一矛盾提供了契机。但鉴于目前法律环境成熟度、农发行贷款企业行业特性等因
Since the establishment of the commercial loan business of the Agricultural Development Bank, the small and medium-sized pledges and pledges of agricultural SMEs have had a narrow range of value and lack of value. The mortgage and pledge procedures are cumbersome and have always been the “bottleneck” restricting the development of credit operations at the grassroots level. The implementation of “Property Law” provides an opportunity for effective solution to this contradiction. However, due to the current maturity of the legal environment, the Agricultural Bank of China loan industry characteristics and other factors