有一种非常流行的理论逻辑:农民贫困的根源之一是没钱投资;没钱投资是因为无法从金融机构贷款融资;贷款难是因为缺乏有效抵押物,缺乏抵押物是因为现行法律禁止农民拿土地和房屋作抵押;农村产权改革就是要赋予土地承包经营权、宅基地使用权和房屋所有权(以下简称“两权一房”)抵押权能,使农民可以以此抵押贷款,融资创业,真正唤醒沉睡的财富,推动 There is a very popular theoretical logic: one of the root causes of peasant poverty is the lack of money to invest; the lack of money to invest is due to the inability to finance loans from financial institutions; the difficulty of loans is due to the lack of effective mortgages and the lack of collateral because current law prohibits peasants from taking Land and houses as collateral; rural property rights reform is to give the land the right to contract management, the right to use housing sites and home ownership (hereinafter referred to as “two-bedroom, one-bedroom” mortgage rights, so that farmers can use this mortgage loans, Truly awaken the sleeping wealth, promote