Research On The Legal Issues Of The Pledge Of Agricultural Products

This paper mainly discusses the legal issues and related improvement paths of agricultural product pledges.The implementation of agricultural product pledge is to solve the financing problem of rural economies with agricultural SMEs as the main representative,aiming to reduce financial barriers for rural economic development through innovative rural financing guarantee system.The pledge of agricultural products has broken through the invisible threshold of formal financial institutions' preference for real estate and fixed assets.The large amount of agricultural products commonly owned by agricultural small and medium-sized enterprises has been used as collateral to guarantee loans to banks and other financial institutions,avoiding the unfavorable distribution of assets of agricultural SMEs.The financing barrier has the feasibility of wide-scale promotion.At the same time,it introduces the third-party enterprises to guarantee the pledge supervision of agricultural products to ensure sufficient value guarantee,which reduces the warehousing cost and credit risk of financial institutions' agricultural product pledge business to a certain extent,and is also beneficial to Financial institutions and pledge supervision companies further explore the rural market and increase their own profits and competitiveness.However,the legal basis for the pledge of agricultural products is the pledge of movable property.The whole business model is mostly from the practice summary,and it is not completely compatible with relevant laws and regulations.Therefore,it is very easy to cause legal disputes.The agricultural product pledge faces many legal risks,and it is difficult to effectively guarantee the main Creditor's rights.In this context,this paper sorts out and summarizes the legal issues of agricultural product pledge,and proposes corresponding solutions.It hopes to provide some constructive opinions on the improvement and perfection of agricultural product pledge,and reduce the legal risk of agricultural product pledge.Good service to agricultural SMEs and the rural economy.The main body of this article is divided into five parts,the main contents are as follows:The first is the question,mainly introduces the research background and reasons of agricultural product pledge,that is,why study agricultural product pledge.By counting the relevant data of formal financial institutions' agriculture-related loans,it is found that the financial institutions' agricultural loan quota is much smaller than other industries,and the proportion of loans mainly for agricultural small and medium-sized enterprises is even declining.The most direct reason for analyzing the reasons for financing difficulties is that The financing guarantee system is not suitable for agricultural small and medium-sized enterprises,so there is an urgent need for an innovative financing guarantee system to solve the financing problems of agricultural small and medium enterprises.The first part is an overview of the pledge of agricultural products.The pledge of agricultural products refers to agricultural enterprises that use agricultural products as pledge guarantees to apply for loans from banks and other financial institutions,and have special pledge supervision enterprises to supervise financing activities,which have relatively complicated legal relationships and comparative comparisons.Obviously comparative advantage and practical value,and introduced the relevant basic theories.This part essentially answers what is the pledge of agricultural products,laying the foundation for the combing of the later problems and the improvement of the path.The second part combs the current legal problems of agricultural product pledge,mainly focusing on the development of agricultural product pledge,which is divided into three aspects: the impact of agricultural product delivery methods on the pledge effectiveness,the risk of agricultural product pledge survivability,and the dilemma of agricultural product pledge realization.The causes and performance of legal issues are further summarized and analyzed in conjunction with relevant cases and refereeing documents.The third part is the extraterritorial experience of agricultural product pledge,mainly introduces Brazil CDA/WA agricultural product pledge financing guarantee and US MAL agricultural product guarantee,and summarizes the advantages and experience of these twotypes of guarantee methods for China to promote agricultural product pledge.The fourth part mainly proposes the relevant improvement path for the legal issues of the pledge of agricultural products in the previous section.It is mainly divided into two parts: on the one hand,the legal perfection proposal to guarantee the realization of agricultural product pledge,and on the other hand,to help agricultural small and medium-sized enterprises obtain the pledge loan of agricultural products.Measures.