甘肃：让“活资产”可抵押 破解“带毛不算”融资难

Core Viewpoint - The introduction of a new policy in Gansu aims to transform agricultural facilities and livestock into effective financial assets, addressing long-standing financing challenges in the agricultural sector [1][5]. Group 1: Policy Implementation - The People's Bank of China Gansu Branch, in collaboration with multiple departments, issued a notification to promote financing through agricultural facilities and livestock collateral [1]. - The policy focuses on resolving the issues of asset ownership and valuation for agricultural facilities like greenhouses and livestock, which have historically been excluded from traditional financing [3][4]. Group 2: Asset Valuation and Risk Management - The notification emphasizes the establishment of a value assessment mechanism, allowing financial institutions to use various methods for asset valuation and to provide fair market references [4]. - It encourages innovative risk-sharing models, such as combining collateral with policy guarantees and insurance, while also promoting the use of IoT platforms for dynamic monitoring of collateral assets [4]. Group 3: Technological Integration - The policy introduces technology, such as electronic ear tags and smart collars, to create unique digital identities for livestock, enabling real-time data collection on their health and location [3][4]. - This technological advancement allows livestock to be recognized as "digital assets," facilitating their use as collateral for loans [3][7]. Group 4: Financial Accessibility and Support - The implementation of the policy is expected to enhance the accessibility and convenience of financing for agricultural operators, thereby directing financial resources to the agricultural sector [7]. - Gansu plans to adopt a "one chain, one bank, one policy" service model to establish specialized financial service teams for key agricultural industries [7][8].