摘要
随着农地抵押融资试点的深入开展,甘肃省西和县在试点中探索出"资产主导型"和"关系主导型"的贷款模式,通过制度框架、贷款主体、贷款产品、抵押规则、风险防控等机制保障了贷款试点的顺畅运作。为确保农地抵押融资可持续发展,建议理顺政府引导、金融监管与市场发展的关系,构建完善农地抵押融资制度及相关配套机制,并探索建立具有中国特色的农地金融制度。
With deep development of the pilot project of farmland mortgage finance,Xihe County of Gansu province has explored the "asset-oriented" and "relationship-oriented" loan models,and ensured the smooth operation of the loan pilot through institutional framework,loan subjects,loan products,mortgage rules,and risk prevention and control mechanisms.The experience of the pilot project and its problems can be used for reference to perfect the farmland mortgage financing system.In order to ensure the sustainable development of farmland mortgage finance,we should construct and perfect farmland property right system,farmland mortgage financial system and related supporting mechanism by disentangling the relationship between government guidance,financial supervision and market development,and explore the establishment of agricultural land financial system with Chinese characteristics.
作者
王亚林
景欣
WANG Yalin;JING Xin(Longnan Sub-branch of PBC,Longnan Gansu 746000)
出处
《西部金融》
2018年第12期63-65,72,共4页
West China Finance
关键词
土地承包经营权
土地经营权
抵押融资
Land contractual management right
Land management right
Mortgage finance
