由于土地收购储备的规定基本仍处于地方规章层次,没有全国统一的法律法规,因此,现有的土地储备制度缺乏足够的法律支持。土地储备机构的抵押贷款,由于抵押物的性质在法律上还无定论,政府及事业单位作为保证人在法律上没有效力,因此,银行单凭政府信用放款,在市场经济条件下是不规范的。 As the provisions of land acquisition and reserve are basically still at the local regulatory level, there is no unified national laws and regulations, therefore, the existing land bank system lacks sufficient legal support. Because of the legal nature of the nature of collateral, the government and public institutions have no legal effect as guarantors for the mortgages of land reserve institutions. Therefore, banks lending by government credit alone are not standardized in a market economy.