农地抵押融资问题研究  

Financing Issues on Farmland Mortgage

作　　者：彭婷婷[1] 洪浩 

机构地区：[1]安徽大学法学院,安徽合肥230601 [2]安徽省不动产登记中心,安徽合肥230011

出　　处：《安徽农业大学学报（社会科学版）》2016年第4期75-79,共5页Journal of Anhui Agricultural University:SOC.SCI.

基　　金：国土部不动产登记中心"不动产登记重大理论问题研究"项目(2015SKH010079:<土地承包经营权和农民住房抵押登记问题研究>)

摘　　要：农地是农民最基本的生活保障,根据法律规定,农村的土地属于集体所有,农民对农地享有使用权,但不得抵押融资,这在一定程度上抹杀了农地的财产性,阻碍了农村金融的发展。通过修改与农地抵押相关的法律法规并建立农地抵押登记、价值评估及农地抵押风险控制等制度,允许农民对农地享有抵押的权利,拓宽农民融资渠道,发挥农地作为用益物权的价值。.Farmland is a basic guarantee for farmers＇ life. Since in accordance with relevant laws in China farmland is collectively owned and farmers only have the right to use farmland, they cannot mortgage the land to obtain financing, which, to some extent, obliterates the property characteristic of farmland and impedes the development of rural finance. Therefore, it is necessary to amend laws and regulations related to farmland mortgage, establish systems of farmland mortgage registration, value evaluation, risk control and the like, endow farmers with right to mortgage farmland, widen financing channels, and give full play to farmland＇s value of usufruct.

关 键 词：农地抵押 农地登记 风险控制 

分 类 号：D922.28[政治法律—经济法学]