吉林省松原市创新土地承包经营权反担保质押贷款模式的探讨与分析

摘要

Rural ifnancial product and service innovation work, since the people's bank of songyuan actively coordinate efforts, launched a series of innovative products and services, is well received in the local farmers. In 2015, the people's bank of China branch in songyuan and songyuan based on the investigation of the rural credit cooperatives in the joint, bold on the product innovation, in the country take the lead in developing the contracted management of land counter guarantee impawn loans (hereinafter referred to as the land guarantee pledge loan), as of the end of May 2015, the city's total loans 14076, value of 368.79 million yuan, totaled 225.94 million yuan, effectively support the "three rural" economic development.%农村金融产品和服务方式创新工作开展以来，松原市人民银行积极协调各方力量，推出了一系列创新产品和服务方式，受到当地农民的普遍欢迎。2015年，人民银行松原市中支与松原市农村信用社在联合调研的基础上，大胆进行了产品创新，在全国率先开发出土地承包经营权反担保质押贷款（以下简称土地反担保质押贷款），截至2015年5月末，全市累计发放贷款14076笔，金额36879万元，余额22594万元，有力地支持了“三农”经济发展。