耕種紀錄全記載 讓青農申貸少看銀行臉色

台灣逐漸邁入高齡化社會,農業也出現勞動力稀缺問題,愈來愈多青年選擇回鄉務農。農委會指出,過去幾年台灣青年返鄉人次已達六千名,是少數台灣勞動力增加的產業。
務農要看天吃飯,青農回鄉代表他們願意承擔農業經營風險,只是他們沒想到在耕種前,還得看銀行臉色,若申貸不成,所有耕種計劃都將付諸流水。
如果青農資金不足,無法添購農耕設備,或因應營運周轉需求,就得向銀行貸款,申貸所需文件除了包含財務報告與資產抵押證明,還得想方法設法證明農地真有耕種與出貨。但多數青農難以證明自己有實際耕種,造成申貸不易。

「銀行可以合法地貸款給你,也可以合法地讓你貸不到錢。」台大資工系副教授廖世偉有感於青農申貸款的困境,便與農業科技研究院聯手,利用區塊鏈技術推出貸款小幫手 App。

即拍即傳 含時間、GPS定位
農民透過這款App拍攝照片並上傳,App將會紀錄這張照片拍攝的時間點與GPS定位,並以加密方式傳輸到區塊鏈,在區塊鏈上會詳細記載農民的所有耕種紀錄。上傳照片過程中,只能即拍即傳,無法從相簿選擇其他照片上傳,也降低偽造的可能性。
使用區塊鏈技術後,農民不再需要準備繁瑣的會計三表,足了省去許多申貸的時間與流程,更重要的是,可證明農民有實際還款能力,因為區塊鏈上的資料具有不可改的特性,透過鏈上的資料,銀行可確認農民實際有在耕種,大幅降低原本申貸的門檻。

 

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