活体抵押+产业链金融
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九江银行:创新金融服务破解活体资产抵押难题
Zhong Guo Jin Rong Xin Xi Wang· 2025-08-22 07:21
Group 1 - The core viewpoint of the article highlights the innovative financial solutions provided by Jiujiang Bank Hefei Branch to address the challenges faced by the livestock industry, particularly in live cattle financing [1][2] - The introduction of a combination financing scheme called "live cattle mortgage + production feed loan" effectively resolves issues related to asset valuation, dynamic supervision, and the mismatch between funding needs and production cycles in the cattle industry [1][2] - The use of electronic ear tags and AI cameras for real-time monitoring of cattle health and activity allows the bank to accurately assess the value of the collateral, thus overcoming the regulatory challenges associated with live asset financing [1] Group 2 - Jiujiang Bank Hefei Branch offers flexible loan arrangements based on the actual production needs of livestock farms, ensuring timely financial support for purchasing quality cattle and upgrading infrastructure [2] - The bank's financing model, which includes monthly directed payments for feed based on the specific needs of different growth stages, ensures that funds are used effectively for agricultural production [2] - The initial pilot program has injected 1.5 million yuan into livestock enterprises in Lixin County, demonstrating the bank's commitment to rural financial innovation and support for the agricultural sector [2]