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融资难是制约农村经济发展的瓶颈。在市场经济背景下,破解融资难的路径是以农地产权的资本化、担保化为手段构建农地产权制度。农地产权融资担保的实质就是使农地由原来的社会保障属性向资本属性转化,并使之真正成为农民自主支配的资产和创业经营的资本。激励型的农地担保立法将催生优化的农地融资担保制度。该制度必然成为解决农村资金匮乏难题的法律保障,从而实现农民增收、农业的可持续发展。
Financing difficulty is the bottleneck restricting the development of rural economy. Under the background of market economy, the solution to the problem of financing is to construct the system of farmland property rights by capitalizing and guaranteeing the property rights of the land. The essence of agricultural land property financing guarantee is to make the agricultural land transform from the original social security property to the capital property, and make it become the capital autonomously controlled by peasants and the venture capital business. Incentive farmland security legislation will give birth to an optimized farmland financing guarantee system. This system will inevitably become the legal guarantee for solving the problem of lack of funds in rural areas, so as to realize the increase of peasants’ incomes and the sustainable development of agriculture.