农地经营权抵押贷款中的农作物价值评估  

On the Evaluation of Crop Value in Mortgage Loan of Rural Land Management Right

作　　者：牛荣[1] 闫啸 NIU Rong;YAN Xiao(College of Economics and Management,Southwest A&F University,Yangling 712100,China)

机构地区：[1]西北农林科技大学经济管理学院,陕西杨凌712100

出　　处：《华南农业大学学报（社会科学版）》2020年第2期96-107,共12页Journal of South China Agricultural University(Social Science Edition)

基　　金：国家自然科学基金项目(71603208);陕西省社会科学基金项目(2019D030)。

摘　　要：针对农地抵押贷款中农作物价值评估中存在的问题,厘清市场法、成本法与收益法的理论来源、公式应用以及适用的农作物类型,利用果树抵押案例分析三种方法的实际使用,并提出相应政策建议。农地经营权抵押贷款是农民获得贷款的重要途径之一,其中农作物价值评估对确定农地抵押贷款额度,完善农地经营权抵押贷款实施具有重要意义。The article analyzes the problems of crop value evaluation in farmland mortgage loans,the theoretical source,market application,formula application and applicable crop types of market method,cost method and income method,and uses a fruit tree mortgage case to illustrate the use of the three methods in practice.Mortgage loan for farmland management right is one of the most important ways for farmers to obtain loans.The evaluation of crops value is of great significance for determining the amount of mortgages for farmland mortgages and deepening the implementation of mortgage loans for farmland management rights.

关 键 词：农地抵押贷款 “三农”融资 农地经营权抵押 土地要素 

分 类 号：F301.3[经济管理—产业经济]