The rapid progress of urbanization in China has made the land not only the most important means of production, but also an im-portant source of wealth for farmers. The system innovation of land in rural areas is the key to the dividend release in China'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 de-velop the farmland finance service, the government shall seek to complete the legal system for farmland, create a farmland circulation sys-tem, establish a scientific farmland evaluation system, intensify the building of agricultural insurance and set up a sound social security system in the rural areas.%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。
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