农村产权抵押融资改革的深化扩面研究——以安徽省池州市为例

The Deepening and Expansion Research of Rural Property Mortgage Finance Reform:Taking Chouzhou City of Anhui Province as an Example

开展农村产权抵押融资改革,能够激活农地金融,有效缓解农业融资担保难题。池州市"两权"抵押实践中存在三大难题,农地流转给新型农业经营主体后的"流转经营权"融资担保问题,违约后的农村产权处置问题,以及金融机构如何将农村产权抵押贷款证券化获得流动性问题等。解决这些问题,既要从"横向"扩大农村产权抵押融资的范围,又要从"纵向"在农地确权、农村产权交易及评估体系、农村产权处置机制和完善风险补偿机制等方面深化农村产权抵押融资改革。

The reform of rural property mortgage finance can activate farmland financial and solve agricultural financing problem effectively. The ＂two rights＂ mortgage finance in Chizhou exist three problems： the financing guarantee issue of ＂circulation management right＂ after farmland transferring to new type management body, rural property disposal problem after default, and how financial institu-tion receiving liquidity after securitizing rural property mortgage. To solve these problems, the government should expand the scope of rural property mortgage horizontally. On the other hand it should confirm land right, and build rural property transaction and evaluation system, perfect rural property disposal mechanism and risk compensation mechanism vertically.