积极稳妥推进农地金融制度创新的必要性、方案设计与配套条件

发布时间：2018-01-07 23:24

本文关键词：积极稳妥推进农地金融制度创新的必要性、方案设计与配套条件　出处：《开发研究》2010年01期 　论文类型：期刊论文

【摘要】：在农地流转背景下,积极稳妥推进以农地使用权抵押为特征的农地金融制度势在必行。本文探讨了当前构建农地金融制度的必要性,提出了农地金融制度的组织体系与机构选择初步设计方案,即近期比较可行的办法是选择农村信用社作为开展农地金融业务的信用机构,待条件成熟时组建土地银行或土地金融公司;中长期目标模式是"固定两头,转换职能",即应以国家政权为依托,利用现代信用制度这一人类文明成果,以银行为载体,在最上层构建适合农业特殊需要的宏观信用制度安排,在最下层逐步形成一个与农民具有亲和力的金融组织;成立国家农地抵押贷款委员会,负责国家农地抵押贷款系统的管理,其常设机构是设在财政部的国家农地抵押贷款局;设立国家土地银行、私人股份土地银行和农地金融中介组织。论文还论述了农地金融制度创新需要的相关配套条件以及需要深入研究的关键问题与建议。
[Abstract]:In the farmland circulation background, to actively and steadily push forward the rural land use right mortgage for the characteristics of the rural financial system is imperative. This paper discusses the necessity of the rural financial system construction, puts forward the preliminary design scheme of organization system and mechanism choice of rural financial system, that the more feasible approach is to select the rural credit cooperatives as credit institutions the financial business, when conditions are ripe to form land or land bank financial companies; the long-term goal is "fixed two conversion functions", which should be based on state power as the basis, using the modern credit system of the human civilization, the bank as the carrier, arranged in the upper construction for the special needs of agriculture the macro credit system, at the bottom and gradually form an affinity with farmers financial organizations; the establishment of a national land mortgage loan Committee, responsible for the National Agricultural Mortgage system management, the permanent establishment is located in the Ministry of finance of the State Bureau of land mortgage; the establishment of a national land bank shares, private land bank and farmland financial intermediary organizations. The thesis also discusses the related conditions of innovation needs of the rural financial system and key problems and the suggestions for further research.

【作者单位】：西北农林科技大学经管学院;西北农林科技大学农村金融研究所;
【基金】：国家自然科学基金应急研究项目“中国农地金融制度的构建方案与管理创新研究”(项目编号:70141024) 教育部人文社会科学研究项目“中国西部农地金融的组织体系构建与信用风险分担研究”(项目编号:02JA790046)的研究成果
【分类号】：F832.1
【正文快照】： 党的十七届三中全会通过的《中共中央关于推进农村改革发展若干重大问题的决定》(以下简称《决定》)指出,按照依法、自愿、有偿原则,允许农民以转包、出租、互换、转让、股份合作等形式流转土地承包经营权,发展多种形式的适度规模经营。对于家庭联产承包责任制,不仅现有土地

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