如何破解农村土地承包经营权抵押贷款面临的难题

• 作 者: 唐日清
• 机 构: 湖南省长沙市土地储备中心,
• 出 处: 地球
• 发表日期: 2014年08期
• 关键词: 土地承包经营权 抵押贷款 土地流转 土地交易 城市国有土地 金融机构 经营权入股 土地二级市场 土地经营权 集体所有权

农户在当地农村合作银行办理土地承包经营权抵押贷款业务时,常常被银行以种种理由予以拒绝。银行拒绝办理该项业务的主要理由是农村土地承包经营权目前尚属一种难以变现的无形资产,一旦到期贷款收不回,难以通过拍卖等方式实现这些资产的抵押物权。中共十八届三中全会《决定》提出:赋予农民对承包地占有、使用、

When the local rural cooperative banks handle the mortgage loan business of land contractual management, the farmers are often rejected by the bank for various reasons. The main reason for banks refusing to handle this business is that rural land contractual management right now is an intangible asset that is hard to be realized. If the loan fails to be repaid at maturity, it is hard to realize the real right of mortgage of these assets through auction. At the Third Plenary Session of the 18th CPC Central Committee, the “Decision” proposed: to give peasants the right to occupy, use,