农地经营权抵押贷款现行机制及推进对策

发布时间：2018-04-20 06:16

本文选题：资金供给 + 农村土地　；参考：《浙江社会科学》2017年08期

【摘要】：土地制度改革是供给侧结构性改革的重要方面,推动农村承包土地经营权抵押贷款是当前土地制度改革的内容之一。承包土地经营权抵押贷款不仅可以深化改革现行的农村土地制度,也是缓解农村资金短缺的有效举措。20世纪70年代以来,经济学界对发展中国家农村资金短缺的现象进行了深入研究,并指出抵押品不足阻碍了正规金融机构向农村贷款,而确权农村土地使之可抵押是解决对策。本文对农村金融市场的特征及开展农地抵押贷款的必要性进行了论述,对1936年中国农民银行的土地抵押贷款、1942年中国农民银行土地金融业务、2016年《农村承包土地的经营权抵押贷款试点暂行办法》进行比较,结合中国现行土地制度给出了促进农地抵押贷款实施的建议。
[Abstract]:Land system reform is an important aspect of supply-side structural reform. The mortgage loan of contracted land management right can not only deepen the reform of the current rural land system, but also be an effective measure to alleviate the shortage of rural funds since the 1970s. The phenomenon of shortage of rural capital in developing countries has been deeply studied in the field of economics, and it is pointed out that the lack of collateral hinders the formal financial institutions from lending to rural areas, and the solution is to guarantee the right of rural land so that it can be mortgaged. This paper discusses the characteristics of rural financial market and the necessity of developing agricultural land mortgage loan. This paper compares the Land Mortgage loan of the Farmers Bank of China in 1936, the Land Finance Business of the Peasant Bank of China in 1942, and the interim measures on Mortgage loan of the Management right of Rural contracted Land in 2016, Combined with the current land system in China, the paper gives some suggestions to promote the implementation of agricultural land mortgage loan.
【作者单位】：中国社会科学院经济研究所;清华大学经济学研究所;
【基金】：国家社会科学基金重大项目“中国土地制度变革史”(10&ZD078) 中国博士后科学基金面上资助项目“微金融:起源、发展与走势”(2016M591145)的阶段性研究成果
【分类号】：D922.32

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