农村承包土地经营权和农民住房财产权抵押贷款试点以来增长较快,但是在经济下行形势下,“两权”抵押不良贷款压力同时加大,如何流转处置抵押物是其中最关键环节。本文作者就此问题在山东进行了专项调查,提出了一些针对性的破解方法。 However, under the economic downturn, the pressure of non-performing loans under the “two rights” increased at the same time. How to transfer the mortgages is the most crucial step in the process of the Pilot Program of Rural Contractual Land Management and Peasant Housing Property Right Mortgage Loans. The author of this issue in Shandong conducted a special survey, put forward some targeted crack method.