摘要
在三权分置改革下,农村土地承包经营权抵押贷款兼顾效率和公平,兼有金融性和普惠性,是金融支农惠农和农村金融扶贫的新方式,是当前农村金融和普惠金融的有力补充。不过,农村土地承包经营权抵押贷款在抵押物价值评估和确认、农村土地承包经营权再流转和变现、地方政府支持等方面存在不足,抑制了其充分发挥金融性和普惠性功能。只有合理界定和发挥市场和政府作用,以精准识别和分类施策的方式评估和确认抵押物价值,构建农村土地承包经营权再流转体系,完善农村信用体系,建立农民、农业经营主体和农村金融机构风险转移机制等,才能充分释放农村土地承包经营权抵押贷款金融性和普惠性潜能,促进农村经济和金融快速普惠发展。
Under the reform of separating rural land ownership rights,contract rights,and management rights,mortgage loan of the rural land contractual management has efficiency and fairness,finance and inclusiveness.It is a new way of financial support for agriculture and financial poverty alleviation.It is a powerful complement of rural finance and Inclusive finance presently.However,mortgage loan of the rural land contractual management is insufficient in the valuation and confirmation of mortgage value,the re-circulation and realization of rural land contractual management rights,and local government support,which inhibits its function of rural finance and inclusive finance.Only by rationally defining and exerting the role of market and government,assessing and confirming mortgage value by means of accurate identification and classification,establishing a system for re-circulating rural land contractual management rights,improving the rural credit system,and establishing the risk transfer mechanism of farmers,agricultural businesses and rural financial institutions,etc.,the financial and inclusive potentials of mortgage loan of the rural land contractual management can be fully released,and the development of rural economy and finance can be rapidly promoted.
作者
李少武
张衔
Li Shaowu;Zhang Xian(Business School of Huanggang Normal University,Huanggang 438000;School of Economics,Sichuan University,Chengdu 610065)
出处
《重庆社会科学》
CSSCI
2019年第1期35-43,共9页
Chongqing Social Sciences
基金
湖北省教育厅人文社会科学研究项目"‘三权分置’改革下湖北省新型农业经营主体效率改进研究"(18Y154)
关键词
农村土地承包经营权抵押贷款
农村金融
普惠金融
三权分置改革
mortgage loan of the rural land contractual management
rural finance
inclusive finance
the reform of separating rural land ownership rights,contract rights and management rights
