近年来,各地纷纷开展农村信贷产品创新,探索以农村土地经营权和农村房屋为抵押的信贷模式成为关注的热点。在现有的法律框架下,农村地区哪些地权能抵押而哪些不能抵押,弄清这些问题不仅有利于引导农村金融产品创新和维护农村信贷安全,也有 In recent years, all over the country have carried out innovative credit products in rural areas to explore rural land management rights and rural housing as a mortgage credit model has become the focus of attention. Under the current legal framework, which land rights in rural areas can be mortgaged and which can not be mortgaged, to clarify these issues is not only conducive to guiding rural financial product innovation and maintaining rural credit security, but also