浙江省奉化市桐照镇是浙东著名渔镇,镇上的渔民主要靠捕捞为生。近年来,近海海洋资源衰退,渔民的生存空间由近海向外海扩展,原有的渔业、捕船工具需要大量更新,单靠渔民自身积累难以实现。一方面贷款需求成倍上升,而另一方面渔民贷款担保难找,无抵押物,及时办理渔船抵押往返宁? Tongzhao Town, Fenghua City, Zhejiang Province, is a famous fishing town in eastern Zhejiang Province. The fishermen in the town rely mainly on fishing for their livelihood. In recent years, the offshore marine resources have declined, the living space for fishermen has expanded from the offshore to the outer sea. The original fisheries and fishing vessels need to be updated in large numbers, making it difficult to realize fisheries alone. On the one hand, loan demand doubled up, while on the other hand, fishermen’s loan guarantee was hard to find, unsecured, and timely handling of fishing boats to and fro?