“两权”抵押贷款实践中的法律障碍及对策建议

“Two Rights” Legal Obstacles and Countermeasures of Mortgage Lending Practices

2015年8月国务院出台《关于开展农村承包土地的经营权和农民住房财产权抵押贷款试点的指导意见》,同一年底,试点工作开启,全国232个地区被确立为农村承包土地经营权抵押贷款试点、59个地区被确立为农民住房财产权抵押贷款试点。在国家引导和地方政府推动的大环境下,"两权"抵押贷款高速发展,已经成为农村金融创新的突破口,但在实践中也遇到了一些实践困难和法律障碍。

Introduced in August 2015, the state council ＂about rural contracted land management rights and farmers housing property rights mortgage pilot guidance＂, by the end of the same, the pilot work open, national 232 areas were established for the rural contracted land management rights mortgage pilot, 59 region was established for farmers housing property rights mortgage pilot. Under the circumstances of national guidance and the local government to promote, ＂two rights＂ mortgage high-speed development, has become a breakthrough for the development of rural financial innovation, but also met with some practical difficulties in practice and legal barriers.