摘要
本文利用交易费用理论,将农地经营权抵押贷款机制细分为外部治理环境与内部治理结构,通过构建二者与农地经营权抵押品有效性之间的作用机制,结合已有实践进行分析。研究表明:①以农地产权制度改革、政府行政干预措施为主的外部治理环境优化通过对农地流转市场发育的促进作用,间接提高了农地经营权作为抵押品的有效性;②以直接抵押、担保、反担保等贷款模式和第三方组织或个人为核心的内部治理结构优化能减少相关主体的机会主义行为,但其选择受制于差异化的政府财力和基层治理水平;③虽然外部治理环境的优化能够显著提升农地经营权作为抵押品的有效性,但农地经营权抵押权能的实现取决于外部治理环境与内部治理结构的协同作用。本文认为,在继续优化农地产权制度与政府行政适当干预的同时,根据地方政府财力和基层治理水平,因地制宜地选择不同抵押贷款模式,并匹配差别化的第三方设置是提高农地经营权抵押有效性、实现农地经营权抵押权能、降低抵押贷款运行成本的可行途径。
Based on the transaction cost theory,this article subdivides the mortgage mechanism of farmland management rights into external governance environment and internal governance structure,and analyzes the mechanism between the two and the effectiveness of farmland management rights as mortgages.The results show that the optimization of external governance environment based on farmland property rights reform and government administrative intervention measures indirectly improves the effectiveness of farmland management rights as mortgages through promoting the development of farmland transfer market.The optimization of internal governance structure,such as mortgage,guarantee,counter-guarantee,third-party organizations and individuals,can reduce the opportunistic behavior of relevant stakeholders,but the effect depends on the differences in the level of government financial resources and grassroots governance.Although the improvement of external governance environment can significantly enhance the effectiveness of farmland management rights as mortgages,its realization depends mainly on the synergy between external governance environment and internal governance structure.These conclusions imply that the government should choose suitable mortgage loan models to match various third-party settings according to local government financial resources and grassroots governance levels.
作者
吴一恒
马贤磊
马佳
周月鹏
Wu Yiheng;Ma Xianlei;Ma Jia;Zhou Yuepeng
出处
《中国农村经济》
CSSCI
北大核心
2020年第8期40-53,共14页
Chinese Rural Economy
基金
研究阐释党的十九大精神国家社会科学基金专项课题“完善农村承包地‘三权’分置研究”(项目编号:18VSJ060)的资助。
关键词
农地经营权
抵押贷款
外部治理环境
内部治理结构
协同治理
Farmland Management Right
Mortgage Loan
External Governance Environment
Internal Governance Structure
Collaborative Governance
