土地经营权抵押贷款的制约因素及改进建议--以吉林省白城市为例

摘要

For a long time, the lack of effective collateral assets is one of the main reasons for the "three rural" ifnancing dififculties. Rural land management right of mortgage loans and revitalize the new agricultural business entities owned rural land management rights, alleviate the rural loans, guarantees dififcult problems, reduce ifnancing costs for farmers, on the use of rural land ownership ifnancing has carried on the beneifcial exploration. But in practical work, especially in economically developed areas due to the inlfuence of rural ifnancial environment and poor industry authority and law and agriculture and rural security system in the absence of factors, the work of land management right mortgage still exist some problems, which should be paid attention to.%长期以来，缺乏有效抵质押资产是“三农”融资难的主要原因之一。农村土地经营权抵押贷款工作，盘活了新型农业经营主体拥有的农村土地经营权，缓解了农村贷款难、担保难问题，降低了农民融资成本，对利用农村土地权属融资进行了有益探索。但在实际工作中，尤其在经济欠发达地区由于受农村金融环境欠佳、行业权限和条法制约以及农业和农村保障体系的缺位等因素的影响，土地经营权抵押贷款工作仍然存在一些问题，值得关注。