农地融资的法律经济学分析

An Analysis of Agricultural Land Financing from the Perspective of Economics of Law

农地融资在中国存在严重的制度障碍和交易抑制。拓展农地权益流转领域、开创农地权益证券化融资和质押市场,是破解其制度障碍的关键。创新农村金融体制,建立商业保险、政策保险和风险保障三位一体的农业风险分散机制,并加大对农地融资的财政与税收政策扶持,则是农地融资市场培育的有效方法。

In China,there are serious institutional obstacles and transaction restraints in agricultural land financing.The key to removing these obstacles is to expand the circulation field of rights and interests of agricultural land and open up new financing channels of securitization and mortgage markets.Effective methods of market cultivation include innovating the rural financial system,establishing an agricultural risk dispersive mechanism combing commercial insurance,policy insurance and risk protection,and intensifying the financial and tax policy support.