推行农地抵押贷款的体制障碍与预期效果:广东视角

发布时间：2018-03-01 05:17

本文关键词： 农地抵押贷款体制障碍农地管理　出处：《南方金融》2014年07期 　论文类型：期刊论文

【摘要】：我国农地抵押贷款很大程度上依赖于政策扶持,并没有实现政策制定者的预期目标。本文从我国农地抵押贷款的现状出发,以广东为视角,分析了推行农地抵押贷款的体制障碍和预期效果。本文认为,农地管理的体制和机制约束限制了农地抵押贷款的供求意愿。如何突破农地抵押规模、农地抵押权、责、利关系以及农地流转制度约束,将取决于推行农地抵押贷款的政策目标取向。要确保农地抵押贷款政策实施效果,理论上需要摒弃地方政府主导的、以土地财政为目的的城镇化发展思路,构建和完善保护农民、农地交易市场和降低金融机构风险的政策体系。
[Abstract]:The agricultural land mortgage loan of our country depends on the policy support to a great extent, and does not realize the expected goal of the policy maker. This article starts from the present situation of the agricultural land mortgage loan of our country, takes Guangdong as the angle of view, This paper analyzes the system obstacle and expected effect of carrying out farmland mortgage loan. This paper holds that the system and mechanism of farmland management restrict the demand and supply of agricultural land mortgage loan, and how to break through the scale of farmland mortgage, farmland mortgage, and responsibility. The interest relationship and the restriction of farmland transfer system will depend on the policy objective orientation of carrying out the farmland mortgage loan. In order to ensure the effect of the agricultural land mortgage loan policy, the local government should be abandoned in theory. The aim of urbanization is to construct and perfect the policy system to protect farmers, trade market of farmland and reduce the risk of financial institutions.
【作者单位】：广东金融学院县域金融经济发展研究所;
【基金】：广东省哲学社会科学“十二五”规划项目《广东推行农地抵押贷款的体制障碍和预期效果研究》(项目编号:GD12CY11) 广东省教育厅人文社会科学规划项目《县域经济发展方式转变与政策创新研究》(项目编号:2012WYXM-0044)的资助
【分类号】：F832.4;F321.1

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