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随着农地金融的持续发展,完善相关法律制度配套,以及风险控制问题日益显现。近日,山西、四川等多地开始加速农村土地抵押类贷款试点。记者在吉林、山东等一些前期已开展试点的地区采访时了解到,农地抵押贷款有效增加了“三农”的融资渠道。此外,农地抵押贷款整体风险不大,但可行性仍有待检验。一些金融专家和业内人士认为,在进一步扩大试点基础上,应加快农村土地确权颁证步伐等配套制度建设,为赋予农民更多财产权利创造条件。多地试点今年,中央一号文件提出,在落实农村土地集体所有权的基础上,稳定农
With the continuous development of farmland finance, perfecting the related legal systems and the problems of risk control are becoming increasingly apparent. Recently, Shanxi, Sichuan and more began to accelerate the pilot rural land mortgage loans. The reporter learned from some interviews conducted in some pre-pilot areas such as Jilin and Shandong that the agricultural land mortgage loan effectively increased the financing channels for “agriculture, rural areas and farmers”. In addition, the overall risk of agricultural land mortgage loans is not large, but the feasibility remains to be tested. Some financial experts and industry insiders believe that on the basis of further expanding the pilot projects, the construction of a supporting system such as the pace of the certification of rural land ownership should be speeded up, creating the conditions for empowering farmers with more property rights. Pilot More This year, the Central Document No. 1 proposed that on the basis of implementing the collective ownership of rural land, stabilizing agriculture