农地使用权抵押贷款证券化研究

三农问题的核心是提高农民的收入,金融机构通过资金的支持加快农业发展,已成为农民增收的一种有效手段。但是商业银行的市场化运作,资金的逐利性,必然会放弃投入产出效率较为低下的农业生产。而土地抵押贷款的证券化不仅能降低商业银行的经营风险,满足农户抵押贷款的需求,而且从长远看,有利于中国金融产品的创新以及债券市场的发展。

Research on Securitization of the Mortgage Loan of the Usage Rights of Agricultural Land

The main problem of ＂agriculture,countryside and peasants＂ is to increase the income of peasants. Currently, financial organizations are the efficient method of developing our agriculture and improving the income of peasants through the financial support. But the market--oriented commercial banks only chase for profits and obviously will give up the mortgage loan for the agrienltural production which has low efficiency. However, the seeuritization of mortgage loan of rural land can not only reduce the operational risks of commercial banks, but also meet the peasants＂ demand for fund. In the long run, it＇s good for the development of our innovative financial products and the development of the bond market.