CAJ | 학술논문

在当前农村经济与法律环境下，两类创新抵押贷款的供给意愿都比较低，相比之下信贷员更愿意发放农村住房抵押贷款；信贷员接受创新抵押品可降低其对借款人的限制和要求，从而提高农村金融机构贷款的广度和深度：影响信贷员供给意愿最重要的外部因素是抵押品收回难度。从贷款供给视角看，推动创新抵押贷款的发展，应加快确权工作，改善抵押品流转和交易市场，将农村土地承包经营权和农村住房抵押贷款合法化。
재당전농촌경제여법률배경하，량류창신저압대관적공급의원도비교저，상비지하신대원경원의발방농촌주방저압대관；신대원접수창신저압품가강저기대차관인적한제화요구，종이제고농촌금융궤구대관적엄도화심도：영향신대원공급의원최중요적외부인소시저압품수회난도。종대관공급시각간，추동창신저압대관적발전，응가쾌학권공작，개선저압품류전화교역시장，장농촌토지승포경영권화농촌주방저압대관합법화。
In the current rural economic and legal environment, two kinds of innovative mortgage willingness to supply are relatively low. Comparatively loan officers are more willing to provide the rural housing mortgage loans. Loan officers who accept the innovation products could reduce the borrowers＇ restrictions and requirements so as to improve the breadth and depth of loans of financial institutions in rural areas. The most important external factor influencing the supply willingness of loan officers is the difficulty of collateral recovery. From the prospect of credit supply, promoting the development of innovative mortgage should speed up the work of confirming the rights, improve the collateral circulation and the trading market, and make the contracted management right of rural land and the rural housing mortgage loans be legal.