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当前位置: 首页 > 文章 > 农村土地流转经营权抵押贷款的困境与发展策略 山西农业科学 2016,44 (3) 415-418
Position: Home > Articles > Predicaments and Development Strategies of Mortgage Loans Based on Managerial Authority of Transferred Rural Lands Journal of Shanxi Agricultural Sciences 2016,44 (3) 415-418

农村土地流转经营权抵押贷款的困境与发展策略

作  者：
刘昌南;张亚军
单  位：
河海大学公共管理学院
关键词：
城市化;土地流转;抵押;贷款
摘  要：
土地流转经营权抵押贷款是解决农民融资困境、提高土地利用效率、促进农民创新创业的有效途径。我国部分地区开始试点施行农村土地流转经营权抵押贷款政策,并出现了多种贷款模式,其中,比较有代表性的有直接抵押、收益保证和"基金担保+土地经营权抵押"3种模式。通过文献查阅和实地调查发现,我国农村试点运营土地流转经营权抵押贷款还存在许多困境,从贷款前、贷款过程中和贷款之后3个方面对目前土地流转经营权抵押贷款的困境进行分析。结果发现,我国农村土地流转经营权抵押面临土地政策、金融政策和农村市场等一系列阻碍,并针针性地提出了一些政策建议。
译  名：
Predicaments and Development Strategies of Mortgage Loans Based on Managerial Authority of Transferred Rural Lands
作  者：
LIU Chang-nan;ZHANG Ya-jun;College of Public Administration,Hohai University;
关键词：
urbanization;;land transfer;;mortgage;;loans
摘  要：
Mortgage loans based on managerial authority of rural land transfer is an effective way to solve the financing difficulties of farmers, improve land use efficiency, increase farmers' innovation and entrepreneurship. Parts of China started a pilot implementation of rural land management right mortgage lending policies, and emerged a variety of lending models, which were more representative of direct mortgage, income guarantees and "Fund Guarantee + Land Management Right Mortgage" three models. Through literature review and field survey found that rural areas in our country operate rural land management right mortgage loan there were still many difficulties, the paper from the front to select from loans, loan lending during and after the three aspects of the plight of the current land management rights transfer mortgages the analysis found that the transfer of management rights of rural land facing mortgage land policy, financial policy and rural markets and a series of obstacles, the article proposed some policy recommendations accordingly.

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