草原承包经营权抵押贷款问题研究——以锡盟镶黄旗为例

Research on mortgage loan of the grassland contractual management right——A case of Xilinguole League Xianghuang Banner

草原承包经营权抵押贷款对于推进草原畜牧业的持续发展,拓宽牧民财产融资渠道具有重要意义。笔者对内蒙古自治区锡林郭勒盟镶黄旗草场承包经营权抵押试点工作进行研究,从产权基础、制度安排、平台建设、信用体系构建、政策宣传等方面展开论述。研究发现镶黄旗草场承包权抵押贷款工作成效显著,但存在草原价值评估机制简单、草原承包经营权处置困难、抵押贷款期限有待延长等问题,进一步总结提炼出推进牧区草场抵押融资需要明晰草场产权、科学评估草原价值、多部门联动、标准化规程、风险防控等核心经验。

The mortgage loan of grassland contractual management right is of great significance to promote the sustainable development of grassland animal husbandry and broaden the financing channel of Herdsman’s property.This paper studies the pilot-mortgage work of Xianghuang Banner grassland contract and management right of Xilinguole League in Inner Mongolia Autonomous Region,and discusses from the aspects of property right foundation,system arrangement,platform construction,credit system construction and policy propaganda.The study found that the mortgage loan for the contract right of Xianghuang Banner has achieved remarkable results,but there are problems such as the relatively simple mechanisms for evaluating the value of grasslands,difficulties in dealing with the right to contractual management of grasslands,and the shortness of the mortgage loan period,and further summarized the core experience of promoting pasture mortgage financing in pastoral areas,including clear grassland property rights,scientific assessment of grassland value,multisectoral linkages,standardized procedures,and risk prevention and control.