发展我国农地金融的现实障碍及对策探讨

在我国推进城镇化加速发展的过程中,土地不但要作为农民最重要的生产资料,也要成为农民最重要的财富来源,农村土地制度的创新和发展,是未来中国经济制度红利释放的关键点之一,也是我国经济继续前进的重要动力。我国发展农地金融既具有相当程度的可行性,也面临着许多制约因素,其主要体现在农地抵押存在法制障碍,缺乏完善的农地使用权流转机制,缺乏公平科学的农地估价体系,农业保险存在缺位,农村社保发展不完善等方面。发展农地金融服务,国家必须完善农地法律体系,创新农村土地流转机制,建立科学的农地价格评估体系,加大农业保险建设,建立完善的农村社会保障体系等。

The Realistic Barrier for Developing Farmland Finance in China and the Countermeasure

The rapid progress of urbanization in China has made the land not only the most important means of production, but also an important source of wealth for farmers. The system innovation of land in rural areas is the key to the dividend release in China＆#39;s economic system and a significant power for the growth of China＇s economy. Developing farmland finance in China is of great feasibility;however, there are many restraining forces, including legal barrier for farmland mortgage, the lack of a complete farmland circulation system, the lack of a fair farmland evaluation system, the absence of agricultural insurance, and the unsound social security in the countryside. To develop the farmland finance service, the government shall seek to complete the legal system for farmland, create a farmland circulation system, establish a scientific farmland evaluation system, intensify the building of agricultural insurance and set up a sound social security system in the rural areas.