农民贷款难问题长期无法得到解决,没有有效抵押物被认为是一个重要原因,因而人们对土地承包经营权抵押贷款满怀期待。但由于法律、政策的限制,尽管在个别地方小有探索,但土地承包经营权抵押贷款一直没有进行广泛试点。近年来特别是党的十八届三中全会提出“赋予农民对承包地占有、使用、收益、流转及承包经营权抵押、担保权能”和2014年中央一号文件提出“允许承包土地的经营权向金融机构抵押融资”后,许多地方陆续启动土地承包经营权抵押贷款试点工作,尽管组织形式各有 Peasant loans difficult problem can not be solved for a long time, there is no effective collateral is considered an important reason, so people are full of expectations of the land contractual management of mortgage loans. However, due to the restriction of laws and policies, there have been no extensive pilot projects of land contractual mortgage loans despite the small exploration in some places. In recent years, especially the Third Plenary Session of the 18th CPC Central Committee proposed that “granting peasants the right to mortgage, possession, use, proceeds, circulation and rights of contractual management of the contract, the security right” and “ Of the franchise financing to financial institutions ”, many places have started the trial of land contractual management of mortgage loans, although the organization has its own