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土地流转的惠农政策为农村牧区的经济发展带来新的机遇,通过土地流转可以实现农牧业的规模化经营,也为开展农村牧区产权抵押贷款业务提供了可能。通过对乌海市农区范围内土地承包经营权(包括耕地、林权、草牧场)、农房产权抵押贷款情况的调查,剖析当前乌海市农区“两权”抵押贷款面临的困难与原因,并结合国内发展农村产权抵押贷款的典型经验,提出稳妥推进乌海市农区“两权”抵押贷款的建议。
The preferential agricultural land transfer policy has brought new opportunities for the economic development in rural and pastoral areas. Large-scale operation of agriculture and animal husbandry can be realized through land transfer, and it is possible to carry out the property rights mortgage loan business in rural pastoral areas. Through the investigation of the land contractual management rights (including cultivated land, forest rights and grassland) and farmland property right mortgage loan in Wuhai City, the author analyzes the current “two rights” mortgage loans in Wuhai city Difficulties and causes, combined with the typical experience of developing rural property mortgage loans in China, put forward the suggestion of steadily advancing the “two-power” mortgage loan in Wuhai’s agricultural areas.