农村土地经营权性质及抵押贷款模式研究  

The Nature of Rural Land Management Right and Mortgage Loan Model

作　　者：张洁[1] 王林萍[2] ZHANG Jie;WANG Linping(Fujian Rural Credit Union,Fuzhou 350003,China;College of Economics and Management,Fujian Agriculture and Forestry University,Fuzhou 350003,China)

机构地区：[1]福建省农村信用社联合社,福建福州350003 [2]福建农林大学经济管理学院,福建福州350003

出　　处：《云南农业大学学报（社会科学版）》2022年第5期126-132,共7页Journal of Yunnan Agricultural University(Social Science)

摘　　要：分析土地经营权性质的争议现状,将土地经营权定性为物权,为土地经营权融资清除障碍,充分释放土地经营权的经济效能。探讨土地经营权融资存在“三难”现象,确权难、评估难、处置难,以福建永安、沙县和宁夏同心县土地经营权抵押贷款为案例进行研究,总结提出四种信贷模式:“担保基金+抵押+反担保”“抵押担保+机构收购”“机构保证+农户联保”和“股权质押+保证担保”贷款模式。阐述上述四种贷款模式构造和分析利弊,导出土地经营权信贷融资四点启示:健全农村承包地确权工作,健全风险分担机制、培育农村土地交易市场和完善银行尽责免责制度。This paper analyzes the controversial status of the nature of land management right,defines land management right as real right,removes obstacles for land management right financing,and fully releases the economic efficiency of land management right.This paper discusses the phenomenon of“three difficulties”in the financing of land management right,which is difficult to confirm the right,evaluate and deal with.Taking Yongan,Shaxian in Fujian and Tongxin County in Ningxia as examples,this paper summarizes and puts forward four credit models:“Guarantee Fund+mortgage+counter guarantee”“mortgage guarantee+institutional acquisition”“institutional guarantee+joint guarantee of farmers”and“equity pledge+guarantee”loan mode.This paper expounds the structure of the above four loan modes and analyzes the advantages and disadvantages,and leads to four enlightenment of land management right credit financing:improve the confirmation of rural contracted land rights,improve the risk sharing mechanism,cultivate the rural land trading market and improve the bank due diligence and exemption system.

关 键 词：土地经营权 三权分置 抵押融资 贷款模式 

分 类 号：F301.3[经济管理—产业经济]