摘要
土地经营权抵押贷款融资试点是在农村土地"三权分置"条件下农地金融制度的重要创新。通过对比宁夏同心和平罗、陕西高陵和杨凌示范区、山东寿光等五个试点地区的土地经营权抵押贷款试点业务发展状况,发现:试点地区土地经营权抵押贷款的供给模式和供给水平存在差异,形成了以同心为代表的市场主导型模式与以其他试点地区为代表的政府主导型模式;土地经营权抵押贷款供给制约因素主要是:(1)土地经营权抵押交易成本较高;(2)土地经营权价值评估偏低;(3)土地经营权交易市场不健全;(4)土地管理体制和机制制约;(5)农村金融机构面临较大风险。本文据此提出了构建土地经营权抵押融资法律体系、健全土地经营权抵押贷款供给机制、制定科学合理的土地经营权价值评估标准和评估方法、强化政府公共财政支持、优化土地经营权抵押融资外部环境等政策建议与对策。
he pilot of contract right mortgage to agricultural land financing is an important innovation of the rural land financial system under the condition of"three rights division"in rural land.By comparing with the business development status of the five pilot areas of Ningxia Tongxin County and Pingluo County,Shaanxi Gaoling District and Yangling Demonstration District,Shandong Shouguang City,this paper finds that the differences of contract right mortgage to agricultural land supply mode and supply level,and creating the Tongxin County as the representative of the market leading pattern and other pilot areas as the representative of the government leading mode,the contract right mortgage to agricultural land supply is the main restricting factors:(1)the contract right mortgage to agricultural land transaction cost is higher;(2)the valuation of the contract right is low;(3)the trading market of the contract right is not perfect;(4)the restrict to the land management system and mechanism;(5)the rural financial institutions is facing greater risk.In this paper,the policy suggestions and Countermeasures for the breakthroughs in the supply of contract right mortgage to agricultural land are put forward.
作者
罗剑朝
LUO Jian-chao(College of Economics and Management, Northwest A&F University, Yangling 712100,China ; Institute for Rural Finance, Northwest A&F University ,Yangling 712100, China)
出处
《西部金融》
2018年第1期8-13,共6页
West China Finance
基金
国家自然科学基金面上项目“农村土地承包经营权抵押融资试点效果评价
运作模式与支持政策研究”(项目编号:71573210)
陕西省金融学会2015-2016年度重点研究课题“土地经营权抵押贷款供给制约因素研究”
关键词
土地经营权抵押贷款
抵押贷款供给
制约因素
制约机理
Contract Right Mortgage to Agricultural Land
Mortgage Supply
Restrictive Factors
Restriction Mechanism
