CAJ | 학술논문

农村土地“三权分离”的改革使农地经营权抵押贷款成为我国农户融资的新途径，可有效加速农业现代化进程，推动农村经济发展。但该业务风险管理的特殊性制约了其大规模推广。故从借款人信用风险、抵押物风险、操作风险三大方面着手，运用博弈论对涉农金融机构和农户的信贷行为进行分析，结合现实情况，得出加强风险管理的可行方法：完善相关法律法规，填补农村征信管理空白，加快推广农业生产保险制度，健全抵押物价值管理机制，旨在于促进涉农金融机构广泛开展农地经营权抵押贷款业务。
농촌토지“삼권분리”적개혁사농지경영권저압대관성위아국농호융자적신도경，가유효가속농업현대화진정，추동농촌경제발전。단해업무풍험관리적특수성제약료기대규모추엄。고종차관인신용풍험、저압물풍험、조작풍험삼대방면착수，운용박혁론대섭농금융궤구화농호적신대행위진행분석，결합현실정황，득출가강풍험관리적가행방법：완선상관법율법규，전보농촌정신관리공백，가쾌추엄농업생산보험제도，건전저압물개치관리궤제，지재우촉진섭농금융궤구엄범개전농지경영권저압대관업무。
Due to the reform of ＂Separation of Three Rights＂ concerning farmland, the rural land mortgage placed on contracted management right is becoming a new financing way for famers in China, which can promote rural economic development and accelerate the process of agricultural modernization. But the risk behind it limits the new businesses development. Aiming to help the financial institutions and famers to achieve a win-win result through the business, the study takes borrower credit risk, collateral risk, operation risk into consideration, combines with Game Theory, explores all possible exposure to the current land mortgage placed on contracted management right and works out the following measures which can control this business risk. （1） Perfect the relevant laws and regulations; （2） Fill the blank of the rural credit management; （3） Promote the insurance system of agricultural productiom （4） Improve the value of the mortgaged property management mechanism.