多维视域下我国农地金融创新的可行性研究

Research on the Feasibility of Rural Land Finance Innovation in China from Multi-dimensional Perspective

如何激活农地的金融属性,借助农地金融创新让土地流动起来,以此带动城乡要素流动实现收入均等化,已成为当前缩小城乡收入差距的重要举措。本文立足当前农村工作实际,从制度、政策、经济和技术等多维视域下全方位考察在我国现阶段推行农地金融创新的可行性。研究表明,私有制不是农地金融化的必要条件,农地金融化不会改变当前我国农村基本土地制度;政府先后修订了相关法律、陆续出台专项政策,为农地金融创新护驾起航;农地的生存保障功能日益淡化,各种社会保障制度逐渐覆盖农村,为现阶段推行农地金融创新建立良好的经济环境;我国商业银行开展资产证券化业务,在产品设计、定价、流程设计和风险规避等方面已有多年实践基础,为实施农地金融创新提供技术支撑。

How to activate the financial attribute of rural land and make the land flow with the help of the financial innovation of rural land has become an important measure to reduce the income gap between urban and rural areas.Based on the current rural reality,this paper studies the feasibility of carrying out rural land finance innovation from the multi-dimensional perspective of system,policy,economy and technology.The study shows that private ownership is not a necessary condition for the financialization of rural land,and the financialization of agricultural land will not change the current basic land system in rural areas of China.The government has revised relevant laws and issued special policies to implement rural land finance innovation.Meanwhile the function of rural land's subsistence security is weakening,and various social security systems cover the rural areas gradually,which create a good economic environment for the implementation of rural land finance innovation.China's commercial banks have been developing securitization business for many years in product design,pricing,process design and risk aversion to provide technical support for the implementation of financial innovation on rural land.