我国农村产权抵押融资制度改革的问题与前景——基于成都市相关新政的分析

Problems and Prospects of Reforming Rural Assets Mortgage Rules: Analysis to the New Policies by Chengdu Municipal

成都市以统筹城乡综合配套改革试验为背景,系统实施了农村产权抵押融资制度改革试点,在突破现行法律的同时也对国家一些重大法律政策底线如耕地保护等做出了妥协。尽管该项改革得到国家政治上和地方政府经济上的政策支持,但依然存在一些如社会保障统筹的基础尚未完全建立、政府担保的负面作用尚需观察、司法系统对抵押的法律效力尚未给予正式确认以及农村产权交易市场发展不完善等问题,上述问题的发展和处理将对成都市乃至全国范围内农村产权抵押融资制度改革前景产生决定性影响。

Under the authority granted by Chinese central government,Chengdu has announced a series documents about the reform of rural property right's mortgage.In spite of the fact that current Chinese laws and regulations don’t enable the mortgage of farmer's house or land-use right,Chengdu's reform break through the law's bottom line while adopting a compromising posture on some significant aspects.With the national and local political and economic support the Chengdu's reform still has to face some hidden worries including imperfect farmer's social security,negative effects of government guarantee,unconfirmed judicial recognition,and the most critical,slow development of rural property exchange market.All these factors will play a key role in the reform's future.