Traditional Culture Encyclopedia - Traditional festivals - Characteristics of agricultural financial products in Dongguan

Characteristics of agricultural financial products in Dongguan

The characteristics of agricultural financial products in Dongguan are as follows:

1. pertinence: agricultural financial products are mainly aimed at farmers, rural enterprises and leading enterprises in agricultural industrialization. These products are tailored according to the financing needs, risk characteristics and capital use of these objects, and are more targeted.

2. Low risk: The risk of agricultural financial products in Dongguan is usually controlled by various means such as guarantee, pledge and insurance. These measures can effectively reduce the risk of borrowers and improve the return on investment.

3. Preferential interest rate: Compared with traditional loans, the interest rate of agricultural financial products is lower, and some even enjoy the preferential policies of the state. Although these have reduced the financing cost of agricultural enterprises, unbalanced and inadequate development has also occurred from time to time.