我国农村信贷担保融资制度的创新研究——从产权的视角分析

From the Angle of Property Rights of China's Rural Credit Guarantee Financing System Innovation

本文运用法经济学的分析范式,从产权的视角出发,深刻剖析了我国现行农地产权制度结构,并对现行法律制度中关于农村担保融资范围的规定进行了归纳。通过对湖北、浙江、四川三省有关试点地区农村信贷担保的抵质押问题的实证研究,得出结论,我国农村担保融资制度的创新应当:优化农地产权权能、修改和完善相关法律制度、放宽现行法律中关于农村抵押担保物的范围,同时加快土地产权市场的建立、提高农村金融机构的创新动力。

This paper illuminates the economics analysis method,from the perspective of property rights,the profound analysis of China＇s current farmland property right system structure,and the existing legal system about rural guarantee financing scope are summarized.Through the Hubei,Zhejiang,Sichuan provinces about the pilot area of rural credit collateral collateral empirical study on.The conclusion is our country rural guarantee financing system innovation should be： optimizing farmland property power,revise and perfect relevant law system,to relax the current laws concerning rural collateral range,while speeding up the land property rights market build,improve rural financial institution innovation