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农民用手中土地的未来收益权就可以轻松从银行贷款了,而且利率比目前金融机构在农村的平均利率还低很多。这是《中国经济周刊》记者在吉林省采访时看到的一个新现象。一直以来,农村融资难、融资贵的问题困扰着农村经济的发展。囿于现行的《物权法》和《土地承包法》,农民承包的土地不能用于抵押从银行贷款,从而使得农村融资手段单一匮乏,导致农村贷款利率畸高和农村高利贷现象盛行。
Farmers can easily borrow from banks with the future right to land in their hands, and the interest rates are much lower than the average interest rate of rural financial institutions in the present. This is a new phenomenon seen by China Economic Weekly reporter in an interview in Jilin Province. All along, the difficult rural financing, financing problems plagued the development of rural economy. In current “Property Law” and “Land Contract Law,” land contracted by peasants can not be used to mortgage loans from banks, thus making rural financing a single scarcity. As a result, the rural loan interest rates are extremely high and the phenomenon of usury in rural areas prevails.