经济新常态下的土地融资模式与风险管控研究

Research on Land Financing Model and Risk Management and Control under the New Normal in Economy

土地融资不仅是地方财政资金的重要来源之一,也是金融行业重要的经营业务模式。当前经济新常态下对土地融资风险管理和防控的缺陷,蕴含潜在的财政、市场、金融、信用风险等问题,有碍于土地市场健康有序发展,加强土地融资中的风险防范与管控刻不容缓。建议:(1)强化土地抵押贷款的风险管控;(2)科学监管土地融资规模;(3)加快建立土地融资信用担保体系。

Land financing is not only a major source of local finance, but also an important business model of finance industry. Under the New Normal in economy, management,prevention and control of land financing has some deficit, which brings potential risks in public finance, market, finance and credit. In consequence, it will obstruct the healthy and order development of land market. Therefore, strengthening land financing risk prevention and control is of great urgency. We suggest that we should：（1） promote the risk management and control of land loan and mortgage;（2）scientifically supervise the size of land financing;（3） speed up in establishing the land financing credit assurance system.