摘要
长期以来,农村地区特别是经济欠发达地区融资难现象一直存在。随着农村土地“三权分置”改革的深入推进,放活农村土地经营权成为推进农业适度规模经营、加快机械化数字化农业发展、推动乡村振兴的有效抓手,同时也成为农村地区拓宽抵押融资的一种渠道。本研究以泗洪县为例,回顾了泗洪县2016—2022年承担国家农村土地经营权抵押贷款试点的改革历程,从机制建设、政府支持、价值评估、贷款管理、风险处置等视角总结主要做法与成效,从金融机构参与、主体申贷意愿、贷款融资额度、价值评估体系等方面分析了存在的不足,从推广线上线下贷款组合贷、加强信用体系建设、完善价值评估及抵押物处置、加强宣传营造良好金融环境等方面提出对策建议,倡导更多科技型普惠金融“活水”注入乡村,加快农业农村现代化。
For a long time,financing is difficult in rural areas especially in underdeveloped areas.With the deepening of the reform of the separation of the ownership,contractual,and management right in rural land,releasing rural land management right has become an effective way to promote the appropriate scale of agricultural operation,accelerate the development of mechanized and digital agriculture and promote rural revitalization.This study reviewed the reform process of Sihong county undertaking the national rural land management right mortgage loan pilot project from 2016 to 2022,summarized the main practices and work achievements of Sihong county from the perspective of mechanism construction.government support,value evaluation,loan management,risk disposal,etc.,analyzed the deficiencies from the aspects of financial institutions'participation,subject's willingness to apply for loan,loan financing quota,value evaluation system,etc.,and put forward countermeasures and suggestions from promoting online portfolio loans,strengthening the construction of credit system,improving the value evaluation and collateral disposal,strengthening publicity to create a good financial environment,etc.,so as to guide more scientific and technological inclusive finance"live water"into the countryside,and accelerate the modernization of agriculture and rural areas.
作者
徐国彬
张朦
陈乃宽
Xu Guobin;Zhang Meng;Chen Naikuan(Jiangsu Rural Economic Research Center,Nanjing 210036,Jiangsu;Jiangsu Rural Cooperative Economy Management Station,Nanjing 210036,Jiangsu;Sihong County Rural Property Rights Trading Center,Sihong 223900,Jiangsu)
出处
《农业展望》
2024年第1期41-48,共8页
Agricultural Outlook
基金
2022年江苏省农村改革试验区重点项目(苏财农改办[2022]7号)。
关键词
农村土地经营权
抵押贷款
信用体系
农村金融服务
探索与实践
泗洪县
rural land management right
mortgage loan
credit system
rural financial service
exploration and practice
Sihong county
