我国农地金融创新的理论困境与破解

发布时间：2018-06-18 20:21

本文选题：农地金融 + 抵押　；参考：《农村经济》2017年07期

【摘要】：开展农地金融创新,能够唤醒农村沉睡资本,有效缓解农业融资担保难题。虽然农地金融创新的实践探索从未停止,但对其理论基础研究比较薄弱。论文从产权经济学、现代金融学和法学三方面阐述我国农地金融创新的理论困境,以及对应的破解方式。农地的生产价值攀升和农业补贴保证了以独立土地经营权抵押贷款的市场价值,奠定了农地金融创新的产权经济学和金融学基础。农地抵押权的实现并不会导致农民失地,可以通过强制管理的方式,以农地出租或转包收益清偿债务,农地流转后独立的经营权也因此有担保权能。
[Abstract]:Carrying out rural land financial innovation can awaken rural dormant capital and effectively alleviate the problem of agricultural financing guarantee. Although the practical exploration of farmland financial innovation has never stopped, the research on its theoretical basis is relatively weak. This paper expounds the theoretical dilemma of farmland financial innovation in China from three aspects of property economics, modern finance and law, as well as the corresponding solutions. The increase of agricultural land production value and agricultural subsidy guarantee the market value of mortgage loan with independent land management right and lay the foundation of property right economics and finance for farmland financial innovation. The realization of farmland mortgage will not lead to farmers losing land, can be forced to rent or subcontract through the way of income to pay off the debt, agricultural land after the transfer of independent management rights and therefore have the power of security.
【作者单位】：铜陵学院经济学院;
【基金】：安徽省哲学社会科学规划基金项目“安徽农地流转方式金融创新对缩小城乡收入差距的影响机理及路径设计”(编号:AHSKY2016D108) 教育部人文社会科学研究规划基金项目“城乡统筹视角下我国农地证券化模式选择和体制创新研究”(编号:15YJA790034) 安徽省高校优秀青年骨干人才国内外访学研修项目“城乡统筹视角下安徽省农地流转方式金融创新研究”(编号:gxfx2017116)的阶段性研究成果
【分类号】：F321.1;F832.43

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