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買(mǎi)不起心儀的農(nóng)機(jī)沒(méi)關(guān)系 農(nóng)機(jī)融資租賃助你實(shí)現(xiàn)夢(mèng)想

2018-02-05 17:51:04 來(lái)源：中國(guó)農(nóng)機(jī)網(wǎng) 閱讀量：40840 評(píng)論

　　【中國(guó)農(nóng)機(jī)網(wǎng) 本站原創(chuàng)】 先進(jìn)的農(nóng)業(yè)機(jī)械對(duì)農(nóng)民來(lái)說(shuō)，是幫他們從“面朝黃土背朝天”的繁重勞作中解救出來(lái)的“救星”，但同時(shí)高昂的價(jià)格也會(huì)讓許多的農(nóng)民望而卻步，那么，如何能讓農(nóng)民克服資金困難買(mǎi)到自己心儀的農(nóng)機(jī)呢？農(nóng)機(jī)融資租賃模式或是一條捷徑。
 
　　有業(yè)內(nèi)人士指出，該模式首先通過(guò)融資租賃的方式購(gòu)置大型農(nóng)機(jī)，無(wú)需抵押，只需合作社聯(lián)保，或廠商回購(gòu)擔(dān)保，緩解了農(nóng)戶(hù)購(gòu)置大型農(nóng)機(jī)具因無(wú)有效質(zhì)押而面臨的“貸款難”問(wèn)題;其次，由于融資租賃公司按照基準(zhǔn)利率或低于基準(zhǔn)利率提供融資貸款，財(cái)政給予一定的農(nóng)機(jī)購(gòu)置補(bǔ)貼和貼息，這就大大降低了農(nóng)民的購(gòu)機(jī)成本，解決了農(nóng)機(jī)購(gòu)置“貸款貴”難題。
 
　　迪爾融資  探索農(nóng)機(jī)融資租賃新模式
 
　　作為廠商融資租賃公司，迪爾融資深入了解農(nóng)業(yè)、農(nóng)機(jī)市場(chǎng)和用戶(hù)需求，通過(guò)與約翰迪爾經(jīng)銷(xiāo)商的共同努力，為用戶(hù)提供專(zhuān)業(yè)、快速便捷、靈活方便的融資體驗(yàn)。
 
　　2015年，迪爾融資與農(nóng)業(yè)部、新疆農(nóng)業(yè)廳合作，探索在新疆農(nóng)業(yè)領(lǐng)域引入PPP模式，為新疆合作社及用戶(hù)購(gòu)置的近200臺(tái)大型采棉機(jī)進(jìn)行貼息補(bǔ)貼，有效解決農(nóng)業(yè)多環(huán)節(jié)的資金瓶頸。由于農(nóng)機(jī)購(gòu)置補(bǔ)貼具有滯后性，迪爾融資開(kāi)發(fā)出“迪爾速融通”產(chǎn)品，有效解決了用戶(hù)的短期資金需求。同時(shí)，迪爾融資站在用戶(hù)角度，充分考慮各個(gè)地區(qū)的區(qū)域化特點(diǎn)以及不同季節(jié)用戶(hù)現(xiàn)金流的變化，推出了一系列靈活費(fèi)率方案，實(shí)打?qū)嵉貛椭鷱V大用戶(hù)解決“融資難”、“融資貴”等問(wèn)題。2017年，針對(duì)黑龍江省合作社購(gòu)買(mǎi)農(nóng)機(jī)的特殊采購(gòu)方式，迪爾融資在標(biāo)準(zhǔn)業(yè)務(wù)流程的基礎(chǔ)上專(zhuān)門(mén)研究推出了與合作社項(xiàng)目匹配的特殊融資流程，該項(xiàng)目通過(guò)為客戶(hù)提供融資服務(wù)滿(mǎn)足了客戶(hù)的資金需求，同時(shí)為當(dāng)?shù)氐霓r(nóng)業(yè)機(jī)械化發(fā)展做出了貢獻(xiàn)。
 
　　農(nóng)機(jī)融資租賃  助力甘蔗“甜蜜事業(yè)”
 
　　作為“雙高”基地重要試驗(yàn)區(qū)，近年來(lái)崇左農(nóng)機(jī)市場(chǎng)發(fā)展迅速，對(duì)甘蔗種植收割管理走向全面機(jī)械化發(fā)揮了重要作用。然而，現(xiàn)實(shí)中動(dòng)輒幾十萬(wàn)甚至上百萬(wàn)的農(nóng)機(jī)價(jià)格，讓農(nóng)民難以承受。在這種情況下，有別于傳統(tǒng)金融服務(wù)的融資租賃顯現(xiàn)出巨大的需求空間，讓越來(lái)越多的合作社、蔗農(nóng)看到了希望，嘗到了“甜頭”。
 
　　原本打算想經(jīng)銷(xiāo)商賒賬的春翔農(nóng)機(jī)專(zhuān)業(yè)合作社理事長(zhǎng)梁強(qiáng)就因?yàn)檗r(nóng)機(jī)融資租賃用上了心儀的大馬力拖拉機(jī)。“小馬力拖拉機(jī)已經(jīng)滿(mǎn)足不了需求，但是大馬力拖拉機(jī)一臺(tái)要50多萬(wàn)元，當(dāng)時(shí)真是湊不齊這些錢(qián)。”說(shuō)起那年甘蔗收割旺季到處求錢(qián)的難處，梁強(qiáng)依然連連嘆氣。回憶提走拖拉機(jī)那天的情景，梁強(qiáng)激動(dòng)地說(shuō)：“融資租賃真是解決了我的大問(wèn)題！現(xiàn)在錢(qián)早就還上了！”
 
　　農(nóng)忙時(shí)節(jié)是農(nóng)戶(hù)使用農(nóng)機(jī)的高峰時(shí)期，很多農(nóng)民為了不耽誤農(nóng)時(shí)，都會(huì)提前備好需要的農(nóng)機(jī)，但有時(shí)候會(huì)因?yàn)橘Y金困難等問(wèn)題遲遲解決不了農(nóng)機(jī)的購(gòu)買(mǎi)問(wèn)題，農(nóng)機(jī)融資租賃的出現(xiàn)，著實(shí)解決了農(nóng)民的燃眉之急，對(duì)我國(guó)的農(nóng)業(yè)機(jī)械化事業(yè)也大有裨益，隨著互聯(lián)網(wǎng)的廣泛普及，未來(lái)融資租賃模式獲獎(jiǎng)成為農(nóng)機(jī)銷(xiāo)售市場(chǎng)的主流模式。
 
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