流转型土地经营权抵押贷款的运行机制及其改良研究——基于对重庆市江津区及江苏新沂市实践的分析

发布时间：2018-06-18 15:56

本文选题：流转型土地经营权 + 抵押贷款　；参考：《经济体制改革》2017年02期

【摘要】：本文以重庆江津区及江苏新沂市为典型地区,分析了流转型土地经营权抵押贷款的运行机制及其改良方案。研究表明,土地租金年付制导致流转型土地经营权抵押贷款面临着土地经营权不稳定性的矛盾。与此同时,由于土地股份制不仅生成成本高,而且运行成本也不低,致使基于土地股份制的农地抵押贷款难以在实践中推行。为此,本文提出引入土地银行制度,充分发挥银行"散存整贷"、"短存长贷"的功能,在促进土地流转的同时增强流转型土地经营权的稳定性,为农地抵押贷款创造有利条件。
[Abstract]:Taking Chongqing Jiang Jin District and Xinyi City, Jiangsu Province as typical areas, this paper analyzes the operation mechanism and improvement scheme of circulation land management right mortgage loan. The research shows that the annual payment system of land rent leads to the contradiction of land management right instability caused by the circulation land management right mortgage loan. At the same time, the land joint-stock system not only produces the high cost, but also the operation cost is not low, so it is difficult to carry out the land mortgage loan based on the land stock system in practice. Therefore, this paper puts forward the introduction of land banking system, giving full play to the functions of bank "scattered deposit and integral loan" and "short deposit and long loan", promoting the land circulation and enhancing the stability of the circulation land management right, thus creating favorable conditions for the farmland mortgage loan.
【作者单位】：南京审计大学公共经济学院;南京农业大学土地管理学院;
【基金】：教育部人文社会科学研究青年基金项目“土地承包经营权抵押贷款:机理分析、绩效研究与治理逻辑”(16YJC790094) 国家自然科学基金项目“确权背景下地权安全性与农村人口流动研究”(71603123) 国家社会科学基金项目“农民资金互助合作组织的扶贫效应及相关政策研究”(16BGL126) 教育部人文社会科学研究青年基金项目“新型城镇化背景下产城融合对土地利用效率的影响效应与对策研究”(16YJC790079)
【分类号】：F321.1;F832.43

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