澳洲幸运1078码滚雪球技巧规律与公式

生物资产动态评估浮动抵押贷款

神州信息与杨凌农商行、中国人保、中航安盟、西北农林科技大学、内蒙古农业大学等合作,创新农村金融产品和服务模式场景, 探索“生物资产抵押品动态评估”模式。这种将农村产权抵押贷款模式升级换代的抵押贷款模式,主要面向新兴农业经营主体, 解决其规模化生产过程中流动资金不足问题,动态评估其生物资产,根据评估值和新型农业经营主体流动资金缺口追加信贷资金支持,彻底解决其生产经营资金瓶颈。目前已在陕西周至和杨凌放款,这一模式未来还可在养殖业如猪牛羊等,以及种植业如苹果、猕猴桃等广泛的生物资产领域进行复制。

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利用现代信息技术,通过动态估值模型、生物资产数据库和物联网技术、创新生物资产动态估值技术,动态评估生长中的活体动物和植物作为抵押物的价值变化。还贷过程中,引入耳标、芯片、电子围栏、GPS 定位追踪系统等,保全农业生物资产抵押物的价值,突破了生物资产过去不能成为合格抵押物的技术瓶颈,解决了规模农户、家庭农场、农业合作社、涉农中小企业等新型农业经营主体缺乏合格抵押品的贷款难题。

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