At present,there are still problems in the implementation of rural contracted land management right mortgage(RCLMRM). How to optimize the environment of the RCLMRM,unchain the financing function of rural land and activate the rural financial market,which are all the challenges that we confront in the construction of new rural financial system innovation and overcoming the RCLMRM problems. The conclusion is that the crucial way to solve the difficulties of rural loans by the RCLMRM is to create conductive ma...