中文摘要：

在英国、美国、加拿大等农业发达国家,动物活体抵押融资已成为一项成熟的金融业务,但在我国还是一种新型的担保贷款方式。由于活体动物容易病亡或丢失,无论是养殖农户还是放款银行都可能面临较大损失,导致涉农金融机构为规避风险均不愿开展动物活体抵押贷款。本文通过分析现阶段我国动物活体抵押融资面临的制约因素,提出了完善动物活体抵押融资的政府支持体系、建立动物活体抵押融资的风险基金、建立动物活体抵押融资违约防控体系等措施,确保动物活体抵押融资能稳步、高效、有序开展,促进我国养殖业的快速发展。

英文摘要：

The live-animal mortgage financing had become a mature financial business in country, such as Britain and the United States, Canada, etc. But it was a new-type financing developed agricultural method in our country. Because the living livestock and poultry had the natural attribute of easily died or lost, Both farmers and loanbank may face a large financial losses, so financing institution were unwilling to carry out live-animal mortgage financing to avoid the risks. In this paper, by analyzing the restricted factors of the live-animal mortgage financing at our country present stage, we put forward perfecting government policy supportive system for the live-animal mortgage financing, and establishing venture fund, prevention and control system to aviod default risk. These can ensure that the live- animal mortgage financing can steadily, efficiently and orderly carry out, and promote the rapid development for large-scale breeding in our country.