农地抵押风险及预防机制分析——基于“三位一体”综合农协视角  

Analysis of Agricultural Land Mortgage Risks and the Preventive Mechanism:from the Perspective of “Three-in-One” Integrated Agricultural Associations

作　　者：胡振华[1] 余庙喜 李斌[1] 

机构地区：[1]温州大学商学院,浙江温州325035

出　　处：《中国井冈山干部学院学报》2014年第4期101-110,共10页Journal of China Executive Leadership Academy Jinggangshan

基　　金：国家社会科学基金重点项目"‘三位一体’农协机制改建研究"﹙项目编号:11AJY007﹚;温州市高层次人才重点创新技术项目"基于区域差异性的选择性激励与共容性组织的农村耕地保护多主体同目标行动研究"(温人社发〔2013〕209号)的阶段性成果

摘　　要：农地流转是"三农"现代化进程中的重要环节。目前国内农地流传中的抵押现象引人注目,此问题关键在于农地抵押的风险及预防机制。运营体系自成一体的综合农协内在组织能力具有化解农地抵押风险的功能。"风险—中介—化解"程式表明综合农协主要部门在相关风险对接上能较好进行匹配。本文以"三位一体"农协为出发点,总结出促进农地抵押实现的以供销社、合作社以及信用社为桥梁的预防机制。The circulation of agricultural land is an important link of the modernization process of agriculture, farmer and rural area. At present,the mortgage phenomenon in the circulation of agricultural land catches much attention,and the key issue is the risks in the mortgage of agricultural land and the preventive mechanism. Thanks to the intrinsic organizational capacity,the integrated agricultural associations with independent operating system are able to resolve such risks. The“risk - medium - resolution”procedure shows that the integrated agri-cultural associations can assume the related risks. This paper,from the starting point of“three - in - one”agri-cultural associations,summarizes a preventive mechanism that helps us realize the mortgage of agricultural land through the channel of cooperatives,supply ＆amp; marketing cooperatives,and credit cooperatives.

关 键 词：农地抵押风险 预防机制 “三位一体”综合农协 

分 类 号：F301.1[经济管理—产业经济]