我国农村土地权利抵押的合理限制  

Reasonable Restrictions of Rural Land Right Mortgage in China

作　　者：吴春燕[1] 胡建[2] 

机构地区：[1]西南政法大学民商法学院,重庆401120 [2]安徽财经大学法学院,安徽合肥233030

出　　处：《昆明理工大学学报（社会科学版）》2017年第3期1-7,共7页Journal of Kunming University of Science and Technology(Social Sciences)

基　　金：国家社会科学基金青年项目"农村土地融资担保法律问题研究"(13CFX076);教育部人文社会科学研究项目"完善我国农村土地征收补偿法律制度研究"(11YJA820082);重庆市社会科学规划项目"构建农村土地承包经营权抵押制度研究"(2013YBFX103);安徽省教育厅2016年高校优秀青年人才支持计划重点项目"建立城乡统一建设用地市场研究"(gxyq ZD2016097)

摘　　要：农村土地权利抵押具有不同于一般抵押的特殊规则。基于社会公共福祉,其行使应从抵押主体、部分抵押、抵押用途、抵押方式、经济能力、土地规划与用途管制等诸方面予以合理限制。作为抵押人的农民,须有稳定的收入来源、财力证明或从事稳定的非农职业,而抵押权人限定为专门的金融机构;实行部分抵押原则,对农村土地面积和抵押物价值予以限制;抵押的贷款只能用于涉农的生产、投资和开发项目,且须严格遵守土地利用总体规划和土地用途管制。The rural land right mortgage mechanism shall because it varies in different operational aspects. With regard be generalized into common mortgage regulations to the maintenance of public interests and social security, it is necessary to put the land use mortgage rights into proper scrutiny in terms of mortgage entity, mortgage use, forms of mortgage, debt - paying ability, partial mortgage, land planning and use control. The farmer mortgagor should have a stable source of income, be financially able or engage in a stable non - farming occupation while the debtor is confined to the financial agency ; the principle of partial mortgage should be practiced, i.e. , a maximum area or value should be set for the mortgaged rural land ; the mortgage - backed loan should be solely channeled to production, investment and development programs concerning agriculture; the rural land mortgage should meet the standards of general land use planning and regulating.

关 键 词：农村土地 用益物权 土地抵押 土地融资 

分 类 号：DF52[政治法律—民商法学]