农村金融制度中的信贷担保物:困境与出路

On the Credit Collateral in Rural Financial System:Predicament and Outlet

物权法定主义之下,农村金融制度中的信贷担保物较受限制,房屋、宅基地使用权、土地承包经营权均不能作为担保物。在有关政策日益松动的情况下,以上不动产、权利均应允许作为担保物。因此,应对相关立法进行修改,不断扩大农村担保物的范围。

The credit collateral in rural finance is limited in a narrow scope under the principle of numerus clauses. The building, the fight of house site and land management right, which constitute the main real estates of a peasant, cannot be taken as collateral. Therefore, the authors suggest that as the policy becomes more and more flexible, these real estates and rights should be mortgaged. Accordingly, the current legislative method should be amended, and the scope of the rural collateral should be expanded.