银行视角下农村土地承包经营权抵押融资探析

随着2014年中央一号文件的出台,农村土地承包经营权抵押融资问题再次引起广泛的关注。当前农村土地承包经营权抵押融资面临着法律禁止和政策突破的矛盾。在这个背景下,推行土地承包经营权抵押融资亦面临着一些不容忽视的困难,如抵押融资渠道不足、银行业金融机构面临高风险、相关配套机制不完善等。这就需要通过完善相关配套机制、完善以风险管理为核心的土地承包经营权抵押贷款银行管理体制、探索土地承包经营权抵押担保新模式等措施突破困境。

Analysis of the mortgage financing of the rural land contractual management right under the present view

With the 2014 central document on the 1st,the financing problem of the mortgage of land contract management right of rural once again aroused widespread concern.The current mortgage financing of contracted management rights of rural land is faced with the contradiction between law and policy breakthrough.In this context,carry out financing Mortgage of land contract management right is also faced with some difficulties can not be ignored,such as mortgage financing channels,the financial institutions of the banking industry is facing high risk,related mechanism is not perfect etc..This requires the improvement of related mechanism,perfect risk management as the core of the right to the contracted management of land mortgage bank management system,explore the mortgage guarantee the right to land contractual management new mode measures to break through the predicament.