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银行开办农村土地承包经营权抵押贷款之风险防范

Risk Prevention of Mortgage of Rural Contracted Management Land Set Up by Bank

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【作者】 房婧王勇

【Author】 Fang Jing;Wang Yong;China Construction Bank,Jiangsu Branch;Nanjing University of Finance and Economics;

【机构】 中国建设银行江苏省分行南京财经大学

【摘要】 土地流转是近年土地经营权改革真正探索的问题,但是基于土地流转的"土地承包经营权抵押贷款"因其先天不足,发挥作用的空间相比传统的抵押贷款规模较小。本文讨论了土地经营权抵押贷款的可行性和存在的风险,认为可以在严格选择借款人和抵押人、审慎选择用于抵押的土地承包经营权、合理确定贷款金额和期限等方面做好工作。

【Abstract】 Land circulation is the virtually discussed problem of the land management reform in recent years,but the loan of right of the contracted management of land mortgage based on land circulation has mere space to be used compared to traditional loans. This article discussed the feasibility and the risk of mortgage of rural contracted management land,and the article agreed that the strictly chosen borrowers,prudently chosen right of rural contracted.

  • 【文献出处】 南京财经大学学报 ,Journal of Nanjing University of Finance and Economics , 编辑部邮箱 ,2015年01期
  • 【分类号】F321.1;F832.4
  • 【被引频次】19
  • 【下载频次】359
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