论以土地承包经营权抵押为特征的金融制度

在我国建立以土地承包经营权为抵押的农村金融制度具有重要的现实意义 ,它能促进农地资源有效利用 ,提高农地利用的效益。目前世界上许多国家都建立了自己的农地抵押金融制度。根据我国实际情况 ,应消除现有法律上的障碍 ,设立类似于外国土地银行的政策性银行 ,主管我国的土地承包经营权抵押贷款金融制度 ,但在具体的抵押权规定方面 ,如对土地附着物的效力及抵押权实现方面应与一般抵押权制度相区别。

On the financial system featured by land mortgage on contract management right

It is of immediate importance to set up the financial system featured by land mortgage placed on contract management right, which can facilitate the efficient use of rural land resources and improve the benefits of such uses. Such a system has been established in many countries. As far as the social context of our country is concerned, the legal obstacles should be removed, policy banks similar to land banks in foreign countries should be set up to supervise such system. But the specific regulations regarding the mortgage right, for example, land attachment utility and mortgage realization, should differ from ordinary mortgage system.