基于农地金融的林地经营权抵押贷款模式研究
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摘要
与农地相比,林地具有经营投入成本大、周期长,收益慢等特点,导致林地经营权抵押难以变现,严重影响了林地经营权抵押贷款的发展。现阶段国内外对农地抵押贷款的研究较成熟,而在林地方面还未形成完整的体系。通过梳理国内当前主要的农地经营权抵押贷款模式理论框架,对比分析三种主要模式,结合林地的特点,提出适合林地的经营权抵押贷款模式构建框架。该模式由贷款申请、资金补给、抵押品处置三个系统构成,克服了抵押品处置难、农信社贷款意愿低、资金来源渠道少等难题,提出了构建该模式的相关建议。
Compared with agricultural land,forest land management had the characteristics of large operating cost,slow income and long cycle,which made the mortgage of forest land management rights more difficult to bring cash flow and seriously blocked the development of forest land management rights mortgage loans. At present,the domestic and foreign research about agricultural land mortgage was more mature than that of forest land mortgage which didn't formed a sound system. This paper summarized the existing main agricultural land management rights mortgage patterns in China and compared three main patterns aiming to raise a proper forest land management rights mortgage pattern. The model consisted of three systems: Loan application,fund replenishment,and collateral disposal. It included multiple main parts such as guarantee companies,forestry transfer agencies,and evaluation agencies. It overcomed the difficulty of collateral disposal,low willingness of rural credit cooperatives and sources of funds. At the end of this article,it also put forward some relevant advices on how to structure the mortgage mode for forest land management rights efficiently.
Compared with agricultural land,forest land management had the characteristics of large operating cost,slow income and long cycle,which made the mortgage of forest land management rights more difficult to bring cash flow and seriously blocked the development of forest land management rights mortgage loans. At present,the domestic and foreign research about agricultural land mortgage was more mature than that of forest land mortgage which didn't formed a sound system. This paper summarized the existing main agricultural land management rights mortgage patterns in China and compared three main patterns aiming to raise a proper forest land management rights mortgage pattern. The model consisted of three systems: Loan application,fund replenishment,and collateral disposal. It included multiple main parts such as guarantee companies,forestry transfer agencies,and evaluation agencies. It overcomed the difficulty of collateral disposal,low willingness of rural credit cooperatives and sources of funds. At the end of this article,it also put forward some relevant advices on how to structure the mortgage mode for forest land management rights efficiently.
引文
[1]中共中央办公厅、国务院办公厅关于印发《关于完善农村土地所有权承包权经营权分置办法的意见》[Z].中办发(2016)67号.
[2]任海军,时保国.农村城镇化进程中的土地经营模式研究——关于农村土地股份制的探索[J].开发研究,2007,(3)∶35-39.
[3]周泽炯.对农村金融体系发展存在问题的调查与分析[J].经济纵横,2010,(4)∶90-93.
[4]高洪德,白龙,刘健锋,等.创新机制深化改革加快推进林业综合改革试验示范区建设[J].林业经济,2016,(1)∶100-106.
[5]黄惠春,徐霁月.中国农地经营权抵押贷款实践模式与发展路径——基于抵押品功能的视角[J].农业经济问题,2016,(12)∶95-102.
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[8]石磊,高帆.中国农业发展:多重困境与突破路径[J].经济学家,2007,(3)∶72-80.
[9]徐佳.林地承包经营权抵押贷款的困境与出路——以环境保护为视角[J].天津农业科学,2017,23(4)∶61-65,73.
[10]张颖,中国林地价值评价研究综述.[J].林业经济,1997,(1)∶69-74.
[11]高庆浩,曾华锋,聂影.大邑县林权流转及评估问题研究[J].林业经济问题,2012,32(3)∶258-262.
[12]冉陆荣,吕杰.集体林权制度改革背景下农户林地经营权流转意愿分析——以辽宁省409户农户为例[J].林业资源管理,2011,(2)∶15-20.
[13]林乐芬,王步天.农户农地经营权抵押贷款可获性及其影响因素——基于农村金融改革试验区2518个农户样本[J].中国土地科学,2016,30(5)∶36-45.
[14]高岚,徐冬梅.个体禀赋与认知对农户林地流转行为的影响——基于意愿与行为一致视角分析[J].林业科学,2018,54(7)∶137-145.
[2]任海军,时保国.农村城镇化进程中的土地经营模式研究——关于农村土地股份制的探索[J].开发研究,2007,(3)∶35-39.
[3]周泽炯.对农村金融体系发展存在问题的调查与分析[J].经济纵横,2010,(4)∶90-93.
[4]高洪德,白龙,刘健锋,等.创新机制深化改革加快推进林业综合改革试验示范区建设[J].林业经济,2016,(1)∶100-106.
[5]黄惠春,徐霁月.中国农地经营权抵押贷款实践模式与发展路径——基于抵押品功能的视角[J].农业经济问题,2016,(12)∶95-102.
[6]曾大鹏.土地承包经营权抵押的法律困境与现实出路[J].中国农村观察,2017,(2)∶15-26.
[7]王国晓,李华伟.金融支持土地流转的难点[J].中国金融,2017,(1)∶98.
[8]石磊,高帆.中国农业发展:多重困境与突破路径[J].经济学家,2007,(3)∶72-80.
[9]徐佳.林地承包经营权抵押贷款的困境与出路——以环境保护为视角[J].天津农业科学,2017,23(4)∶61-65,73.
[10]张颖,中国林地价值评价研究综述.[J].林业经济,1997,(1)∶69-74.
[11]高庆浩,曾华锋,聂影.大邑县林权流转及评估问题研究[J].林业经济问题,2012,32(3)∶258-262.
[12]冉陆荣,吕杰.集体林权制度改革背景下农户林地经营权流转意愿分析——以辽宁省409户农户为例[J].林业资源管理,2011,(2)∶15-20.
[13]林乐芬,王步天.农户农地经营权抵押贷款可获性及其影响因素——基于农村金融改革试验区2518个农户样本[J].中国土地科学,2016,30(5)∶36-45.
[14]高岚,徐冬梅.个体禀赋与认知对农户林地流转行为的影响——基于意愿与行为一致视角分析[J].林业科学,2018,54(7)∶137-145.