母猪成了租赁物 银租联动探索生物性资产融资落地

Core Viewpoint - The recent regulatory support for financial leasing companies to use modern agricultural facilities and livestock as eligible leasing assets is accelerating the exploration of innovative financing models in the agricultural sector [1][3]. Group 1: Financial Leasing Developments - Recently, China’s financial leasing companies, such as China Communications Financial Leasing Co. and China Railway Construction Financial Leasing Co., have initiated leasing businesses involving biological assets like sows and cows to support rural economic development [1][2]. - A notable project by China Communications Financial Leasing involved financing 12,591 sows with a net leasing value of 35.92 million yuan, aimed at enhancing asset liquidity and providing new management strategies for enterprises [2]. Group 2: Policy Support - The issuance of the "Notice on Promoting Agricultural Facilities and Livestock Collateral Financing" by the People's Bank of China and other regulatory bodies has clarified that biological assets can be used as eligible leasing items, facilitating compliance for financial leasing companies [3][5]. - Prior to this, there were already attempts by financing leasing companies to engage in similar businesses, such as Beijing Agricultural Investment Leasing Co. financing 200,000 yuan for sows in August 2025 [3]. Group 3: Challenges and Solutions - The inherent characteristics of biological assets, such as life, liquidity, and value volatility, have raised concerns about their effectiveness as leasing items, leading to industry debates [4]. - To address these challenges, financial leasing companies are focusing on developing insurance mechanisms for biological assets, including dynamic valuation models and risk management strategies to mitigate unexpected asset mortality [5][6].