国外农地抵押贷款模式的比较与启示

建立一种有效的农地抵押贷款模式有助于促进我国农村金融市场体系的发展和完善，解决我国农村金融发展滞后的难题。农地抵押贷款作为国际上发展农业的一项金融举措，在德国、美国、日本和中国台湾地区都取得了成功，对构建我国农地抵押贷款模式具有重要的借鉴意义。本文通过对比分析德国、美国、日本和中国台湾地区农地抵押贷款模式异同点，并在此基础上，提出构建我国农地抵押贷款模式的政策建议。

The Comparison of Land Mortgage Models in the Foreign Countries and Regions and Their Implication

To establish an effective land mortgage loan mode is not only conducive to the development of China＇s rural financial market system, but also helpful to solve the problem that China＇s rural financial develop- ment has lagged behind. The successful farmland mortgage loan models - - financial measures to international agricultural development - - in Germany, the United States, Japan and Chinese Taiwan, have important signif- icance for China. Through the contrast analysis of the similarities and differences between the foreign farmland mortgage models conducted respectively by Germany, the United States, Japan and Chinese Taiwan, this paper puts forward some suggestions for policy on the construction of farmland mortgage loan model in China.