德国农地抵押融资制度及其经验借鉴

Experience and Enlightenment on Agricultural Financial System in German

德国农地抵押融资制度是政府对农业生产进行干预、调整政策之一,它是以土地抵押信用合作社、联合合作银行为中心,自下而上自发建立的一套组织机构体系。德国农地抵押融资制度以土地债券为主要资金来源,农户融资具体操作模式详细而规范。通过对德国农地抵押融资制度的成功经验进行总结,可以为我国未来农地抵押融资制度构建提供重要理论参考。

German financial system of agricultural land is one of adjustment policies for agricultural production. It is based on land mortgage credit cooperatives, joint cooperative banks, and a spontaneous creation of a bottom - up organization system. It is a bond based funding sources of loans and composed of standardized mode of operation. This paper summarizes experience of early agricultural financial system in German, which could provide induction and experience for china＇s financial system for rural land.