作　　者： (郜蕊）;

机构地区： 中南财经政法大学,武汉430070

出　　处： 《中小企业管理与科技》 2017年第25期115-116,共2页

摘　　要： 农业规模化生产前期所需资本一直是困扰农户的一大难题,自有资金和民间借贷都不能很好地满足其资本需求,农户迫切需要金融方面的支持,农村土地承包经营权抵押贷款是金融方面支持农业发展的重要尝试。而抵押贷款进行过程存在着一系列制约因素。为此,作为我国农地流转试点改革地区之一的山西省新绛县探索出一条符合切身实际、突破各制约因素的农村土地承包经营权抵押贷款"新绛模式"道路,使金融有效支持农地流转成为可能。 The capital needed in the early stage oflarge-scale agricultural production has always been a major problem for farmers, private capital and private lending can not well meet its capital needs, however, farmers urgentlyneed financial support, so, the mortgage loan of rural land contract management is an important attempt to support agricultural development in finance.Butthere are a series of constraints inthe process of mortgage. So, as one ofthe pilotreform areas of agricultural land circulation, Xinjiang county in Shanxi province has exploredapath of＂Xinjiang Model＂ of rural land contract management, which is in line with the actual situation and has broke through the constraints, and made the effective financialsupportforfarmlandtransferpossible.

关 键 词： 农地流转 农村土地承包经营权 抵押贷款 贷款模式