关于农村“两权”抵押贷款改革的思考——基于广西试点的调查与分析

Reflections on the Rural“Two Rights”Mortgage Reform

构建农村土地承包经营权和住房财产权(即"两权")抵押贷款制度是当前我国农村金融体制改革的重要组成部分。广西是西部农业大省,积极探索开展抵押贷款改革试点,具有重要的实践意义。本文通过对广西试点的调查,分析研究了农村"两权"抵押贷款改革中取得的成效和面临的问题,提出了加快制度改革的政策建议,以期能为农村"两权"抵押贷款制度的构建提供借鉴。

Rural land contractual management rights and housing property rights mortgage loan are an importantpart of the construction of China＇s rural financial system reform. Guangxi,which is a major agricultural province inwestern China,actively worked for mortgage reform,has profound practical significance. We analyze the effective-ness and problems faced by rural＂two rights＂mortgage reforms through investigation of Guangxi and offers some pro-posals,which in order to build mortgage system＂two rights＂for reference.