土地承包经营权抵押贷款问题初探

发布时间：2018-05-10 08:39

本文选题：土地承包经营权 + 抵押贷款　；参考：《农村经济》2010年08期

【摘要】：近来辽宁、湖北等省(区)尝试开办了土地承包经营权抵押贷款,为破解农民贷款难题开辟了一条新途径。但此举也引来种种争议,不少人因担忧导致部分农民失地,使农民失去基本生活保障而坚决反对,同时在贷款实际操作中也面临着缺少法律支持、土地价值评估难、土地处置变现难、贷款风险防控难等诸多障碍,土地承包经营权抵押贷款一直步履维艰,许多地区、许多银行至今不敢涉足这一领域。为此,本文分析了开办土地承包经营权抵押贷款的必要性和可行性,并针对贷款操作中遇到的问题,提出了解决对策。
[Abstract]:Recently, Liaoning, Hubei and other provinces have tried to set up mortgage loans for land contractual management rights, opening a new way to solve the problem of farmers' loans. However, the move has also led to various controversies. Many people are firmly opposed to the loss of some farmers' land and the loss of their basic living security because of their worries. At the same time, they also face a lack of legal support in the actual operation of the loan, and it is difficult to assess the value of the land. Land disposal is difficult to realize, loan risk is difficult to prevent and control and so on. Mortgage loan of land contract and management right has been difficult. In many areas, many banks dare not step into this field. Therefore, this paper analyzes the necessity and feasibility of setting up the mortgage loan of land contractual management right, and puts forward some countermeasures to solve the problems encountered in the operation of the loan.
【作者单位】：辽东学院会计学院;
【分类号】：F832.4

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