农民贷款难:农村经济发展的制度瓶颈  

Farmers Find It Difficult to Access Bank Loans:System Bottlenecks of Rural Economic Development

作　　者：郑永哲[1] 

机构地区：[1]长春税务学院法学院,吉林长春130117

出　　处：《税务与经济》2010年第1期43-45,共3页Taxation and Economy

摘　　要：在农村,随着国有金融机构的不断撤出,农民贷款难的状况不断加剧,已成为阻碍农村经济发展的重要制度瓶颈。我国农村信用担保机制的缺位是造成农民贷款难的重要因素。解决农民贷款难问题,需要完善农村土地承包经营权的法律和制度,使土地承包经营权确实成为完全的物权,并理顺农村宅基地所有权、使用权和房屋所有权的关系,使农民能够以土地承包经营权和宅基地使用权进行抵押贷款。In rural areas, with the continuous withdrawal of state-owned financial institutions, farmers find it more and more difficult to access bank loans. It has become an obstacle to the rural economic development. The major factor for it is the defect of China＇ s rural credit guarantee mechanism. So, in order to solve this problem, it is necessary to improve the laws and regulations of rural land contract and operation so that the right of land contract and operation does become real. It is also essential to straighten out the relations among the ownership, the right to use of rural homestead and the ownership of houses.

关 键 词：土地承包经营权 抵押权 农村经济 宅基地使用权 

分 类 号：F830.58[经济管理—金融学]