CAJ | 학술논문

随着2014年中央一号文件的出台，农村土地承包经营权抵押融资问题再次引起广泛的关注。当前农村土地承包经营权抵押融资面临着法律禁止和政策突破的矛盾。在这个背景下，推行土地承包经营权抵押融资亦面临着一些不容忽视的困难，如抵押融资渠道不足、银行业金融机构面临高风险、相关配套机制不完善等。这就需要通过完善相关配套机制、完善以风险管理为核心的土地承包经营权抵押贷款银行管理体制、探索土地承包经营权抵押担保新模式等措施突破困境。
수착2014년중앙일호문건적출태，농촌토지승포경영권저압융자문제재차인기엄범적관주。당전농촌토지승포경영권저압융자면림착법률금지화정책돌파적모순。재저개배경하，추행토지승포경영권저압융자역면림착일사불용홀시적곤난，여저압융자거도불족、은행업금융궤구면림고풍험、상관배투궤제불완선등。저취수요통과완선상관배투궤제、완선이풍험관리위핵심적토지승포경영권저압대관은행관리체제、탐색토지승포경영권저압담보신모식등조시돌파곤경。
With the 2014 central document on the 1st,the financing problem of the mortgage of land contract management right of rural once again aroused widespread concern.The current mortgage financing of contracted management rights of rural land is faced with the contradiction between law and policy breakthrough.In this context,carry out financing Mortgage of land contract management right is also faced with some difficulties can not be ignored,such as mortgage financing channels,the financial institutions of the banking industry is facing high risk,related mechanism is not perfect etc..This requires the improvement of related mechanism,perfect risk management as the core of the right to the contracted management of land mortgage bank management system,explore the mortgage guarantee the right to land contractual management new mode measures to break through the predicament.