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农村土地承包经营权抵押贷款为我国发展设施农业、特色农业提供了新的融资方式,可以有效地助力当地的经济发展。但申请流程繁杂、贷款金额少、宣传不到位、农民财产性收益不稳定等问题制约着农地经营权抵押贷款的大范围开展。应大力加强地方政府对农地经营权抵押贷款的扶持力度,完善农村社保制度,强化农村金融创新过程中的风险防控,真正实现保障土地权利下的农民财产性收益的增加。
Rural land contractual management right mortgage loan for our country development facilities agriculture, characteristic agriculture provides a new way of financing, can effectively help the local economic development. However, the complex application process, the small amount of loans, publicity is not in place, the peasant property income instability and other issues restricting the extensive operation of rural mortgage loans. We should vigorously strengthen the support of local governments for the mortgage loan of farmland management right, improve the social security system in rural areas, and strengthen the risk prevention and control in rural financial innovation process so as to ensure the increase of farmers’ property income under the protection of land rights.