利益相关者视角下农地经营权抵押贷款模式探析——基于广东英德市的研究.doc

PAGE 16 PAGE III PAGE I 摘要 农地承包经营权抵押贷款是农村金融体制改革的重要内容，发展农地抵押贷款，可以有效利用农村土地资源，增加农业生产资金投入，有效增加农民收入，促进农业可持续发展，国家近年来指出允许土地的经营权向涉农金融机构进行抵押贷款融资，并开展了一系列“农村改革试验区”和农村承包土地经营权抵押贷款试点工作，也取得了一定的成效，但仍面临诸多问题，农业经营主体和金融机构的信贷效果不佳，因此，要立足于这些问题，探讨利益相关者的诉求，优化相关主体的参与互动方案，促进农地经营权抵押贷款可持续发展，推动我国农村金融改革。 本文以英德市农地经营权抵押贷款模式为实证案例，研究农村土地经营权抵押实践中利益相关主体的关系和实践面临问题，探讨相关利益主体的关系与互动，总结不足与经验，为英德开展农村土地承包经营权抵押贷款工作提供政策建议，为更好开展农地经营权抵押融资业务提供参考。 关键词：利益相关者；农村土地承包经营权；抵押贷款  Abstract Mortgage loan of contracted management right of rural land is an important task of rural financial reform. In order to activate the value of important property rights in rural areas, promote the integration of rural economy and finance, increase investment in medium-term and large-scale operations in agricultural production, effectively increase farmers property income and promote sustainable agricultural development, the state has clearly pointed out in recent years that the right to contracted land should be allowed to mortgage financing to agricultural financial institutions, and has carried out a series of rural reform pilot areas and rural contracted land management rights mortgage loan pilot work, but still faces many problems, the credit effect of agricultural operators and financial institutions is not good. Therefore, we should base on these problems, explore the demands of stakeholders, optimize the relevant The main bodys participation and interaction scheme promotes the sustainable development of mortgage loan of agricultural land management right and promotes the reform of rural finance in China. Based on the model of farmland management right mortgage loan in Yingde City, Guangdong Province, this paper analyzes the problems faced by three stakeholders in the practice of rural land management right mortgage financing, discusses the interactive experience of relevant stakeholders, and extracts the policy enlightenment of developing farmland contract management right mortgage loan on the basis of summing up the deficienc