产权细分背景下农地抵押贷款的基本经验与完善方向——基于福建明溪与宁夏同心两地试点的对比  

Basic Experiences and Improving Direction of Rural Farmland Mortgage Loans Based on the Property Right Segmentation

作　　者：赵翠萍[1] 侯鹏[1] 程传兴[1] 

机构地区：[1]河南农业大学经济与管理学院,郑州450000

出　　处：《农业经济问题》2015年第12期50-57,111,共8页Issues in Agricultural Economy

基　　金：国家社科基金项目"差异化视角下农村土地承包经营权流转市场形成机理及其政策分类设计研究"(编号:11BJY085);2014年河南省高校科技创新人才支持计划"农地承包经营权资本化的创新模式与推广路径:基于对比的视角";2015年河南省哲社规划项目"对比视角下农地经营权资本化运作模式与适应性评价"

摘　　要：本文通过福建明溪县与宁夏同心县两地农地抵押贷款试点的对比分析后认为,两地在抵押登记和处置方式、风险防范机制等很多方面存在显著差异,但基本探索思路是一致的,都是通过组织创新和制度创新弥补了当前推进土地经营权抵押贷款的关键制约环节:以产权细分突破了既有的制度约束实现了农地抵押的有效性、借助流转平台低成本实现了农地作为抵押品的价值评估、相对封闭的运行模式设计为风险控制提供了机制保障。但是,制度性风险的存在以及金融生态链的脆弱性意味着进一步推进农地抵押贷款有赖于区域性农地流转市场的完善、农业规模化经营主体的形成以及政府通过顶层设计构筑更为严密的风险防线。The author holds that there are significant difference among the mortgage registration,disposal of the mortgaged property and risk prevention mechanism between the two counties. What the two shares in common is institutional innovation,which repaired the key links of rural farmland mortgage loans nowadays. The effectiveness of the mortgage by means of division of property right,mortgage pledge evaluation by means of low-cost trading platform and the relatively closed operation system to monitor financial risk are the primary contents of the institutional innovations. In order to promote farmland mortgage loan,the more perfect market system of farmland transaction,the more large-scale farmers and the government support are necessary.

关 键 词：农地经营权 抵押贷款 农村金融 比较研究 创新 

分 类 号：F321.1[经济管理—产业经济] F832.4