科技时代下土地产权抵质押贷款的现状问题及相关建议

The current situation of land property rights mortgage loan in the science and technology age and related suggestions

怎样解决农民"融资难、融资贵"的问题,提高农村金融服务水平,增加农户收入,从而提高农民的消费能力,是我国当前经济飞速发展极其重要的一环。十八届三中全会《中共中央关于全面深化改革若干重大问题的决定》中指出赋予农民财产权利可以间接地通过赋予农民土地产权抵质押权来实现。农民土地产权抵质押权作为农户的一项资产进行贷款融资,进而探索一条商业化可持续的农村金融发展方式。本文通过对农村土地产权抵质押贷款的现状进行分析,讨论其存在的问题,并对这些问题提出相关建议。

The farmers＇ land property rights pledge rights as a farmer＇s assets for loan financing,and then explore a sustainable way of rural financial development.In this paper,through the analysis of the current situation of rural land property rights pledge loan,discuss the existing problems, and put forward some related suggestions.