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国务院印发《关于开展农村承包土地的经营权和农民住房财产权抵押贷款试点的指导意见》(以下简称《指导意见》)中明确要求推进农村承包土地经营权和农民住房财产权抵押贷款试点工作,同时也提出“要求两权抵押工作指导小组,要取得法律授权,制定具体管理办法,加强跟踪指导”。“两权抵押”贷款政策出台对盘活农村沉睡资产,帮助农民增收,加快农村发展,破解农村融资瓶颈起到了积极作用,但是在法律层面面临较大障碍,易使政策在实施过程中越线,埋下经济和法律纠纷的种子。
The State Council issued the Guidance Opinion on Piloting Rural Commercial Land Contractual Rights and Peasant Housing Property Right Mortgage Loans (hereinafter referred to as Guiding Opinions), which explicitly requested that the rural pilot land contractual rights and peasant housing property rights mortgage loans be piloted. At the same time, Proposed “requires the two-power collateral work guidance group, to obtain the legal authority to develop specific management methods to strengthen the tracking guidance ”. The promulgation of the “mortgage of dual rights” loans has played a positive role in activating the sleeping assets in rural areas, helping farmers increase their incomes, accelerating rural development and cracking down on financing bottlenecks in rural areas. However, they face greater obstacles at the legal level and make it easier for the policy to cross the line of implementation , Planted the seeds of economic and legal disputes.