农村土地经营权抵押贷款试点的实践与思考——以吉林省洮南市为例

Practice on the Pilot Project of Rural Land Management Right Mortgage Loan

为进一步盘活农村资产,促进农村经济发展,2016年国家正式启动农村土地承包经营权抵押贷款的试点工作。洮南市作为试点县市之一,积极出台相关政策,加强政银沟通,试点工作取得初步成功,但存在的问题不容忽视,需从完善配套机制、信贷产品创新、信用体系建设、信贷风险管理等多方面来加以解决。

In order to further invigorate rural assets and promote rural economic development,our country officially launched the pilot project of rural contracted land management right loan against collateral in 2016. As one of the pilot counties,Taonan actively introduced relevant policies and strengthened the communication between government and Banks. The pilot work achieved initial success. But the existing problems should not be ignored,which should be solved from various aspects,such as perfecting supporting mechanism,credit product innovation,credit system construction and credit risk management.