农村土地经营权抵押融资的风险因素分析

Analysis of the Risky Factors of the Mortgage Financing of Rural Land Management Right

目前,在我国农村,土地经营权抵押融资是农民融资的一个重要方式。该文通过对C省D县的实地调查,分析了影响我国农村土地经营权抵押融资风险的因素。该文认为,政策、制度、农民的家庭财产以及农户的素质对农村土地经营权抵押融资的风险有显著影响,在农民家庭的财产多、农户素质高以及相关政策和制度良好的条件下,农村土地经营权抵押融资的风险相对较小。该文还提出了如何控制农村土地经营权抵押融资风险的具体对策,包括制定和完善相关的政策和制度、建立科学的土地抵押物评估体系、实行农村土地的规模化经营以及提高农民的个人素质等。

The mortgage financing of rural land management right is the key path to expand rural financing channels in China.Through the survey in County D of province,the paper analyzes the influencing factors of the mortgage financial risks of rural land management rights.The results show that the government policy,family property,farmers＇ own qualification have a significant impact on the safety of mortgage in a positive relation.Finally,the paper suggests controlling the risks by improving the policies,land management,land collateral assessment system,the qualities of peasants and financing risk fund.