CAJ | 학술논문

在城市化背景下,丰富集体土地物权的内涵和外延,将农地纳入银行贷款抵押物范围,符合国家支持农村改革和＂三农＂金融的政策指向,并有利于促进商业银行转变传统的担保风险管理观念,提升金融竞争水准。针对农地抵押风险,应引入反担保机制及建立涉农产权交易平台。
재성시화배경하,봉부집체토지물권적내함화외연,장농지납입은행대관저압물범위,부합국가지지농촌개혁화＂삼농＂금융적정책지향,병유리우촉진상업은행전변전통적담보풍험관리관념,제승금융경쟁수준。침대농지저압풍험,응인입반담보궤제급건립섭농산권교역평태。
To enrich the denotation and connotation of collective land property rights under urbanization,it is necessary to include farming land into the category of bank loans mortgage.It is assumed that such a practice is consistent with the state policy of supporting rural reform and the state financial policy concerning farmers,the countryside and farming and that it will contribute to the banks＇ change of conventional risk guarantee management concepts for competitive edge.Accordingly,it is argued that anti-guarantee mechanism should be ushered in and that a platform concerning the farmers＇ proprietorship transaction set up.