Modern Issues of Asset Based Lending for Agricultural Sector : Mainly on the Livestock Farming

Research Project

Project/Area Number	15K03230
Research Category	Grant-in-Aid for Scientific Research (C)
Allocation Type	Multi-year Fund
Section	一般
Research Field	Civil law
Research Institution	Kanto Gakuin University
Principal Investigator	Murata Teruo 関東学院大学, 法学部, 教授 (10239527)
Project Period (FY)	2015-04-01 – 2019-03-31
Project Status	Completed (Fiscal Year 2018)
Budget Amount *help	¥1,690,000 (Direct Cost: ¥1,300,000、Indirect Cost: ¥390,000) Fiscal Year 2017: ¥260,000 (Direct Cost: ¥200,000、Indirect Cost: ¥60,000) Fiscal Year 2016: ¥780,000 (Direct Cost: ¥600,000、Indirect Cost: ¥180,000) Fiscal Year 2015: ¥650,000 (Direct Cost: ¥500,000、Indirect Cost: ¥150,000)
Keywords	ABL / 動産担保 / 畜産業 / 動産・債権担保融資 / ＡＢＬ
Outline of Final Research Achievements	This is an applied research to the agricultural field of ABL (Asset Based Lending), a new financing system that uses assets such as corporate stocks as collateral. We conducted surveys and researches on actual cases in which loans were received from financial institutions with fattening cows as collateral for livestock farming. Relatedly, we investigated and researched on the importance of ABL (personal property secured financing) set up for agricultural products that logistics companies store in warehouses etc. In this research, interviews could be conducted from financial institutions that provided loans, agricultural organizations that received loans, and companies related to distribution, with great results.
Academic Significance and Societal Importance of the Research Achievements	畜産業を対象として、肥育牛等を担保として金融機関から融資を受けている実際のケースの調査・研究を行った。金融機関が畜産農家の肥育牛等を担保に融資する場合には、譲渡担保設定契約によるが、対抗要件である動産譲渡登記について、集合動産譲渡担保によるのか個別動産譲渡担保によるのか問題となり、融資を受ける畜産農家側にとっても負担となるケースが多い。本研究の調査によって、これらの問題点を整理して、解決方策を探る手がかりを得ることができた。