CAJ | 학술논문

＂农户增收难、农民贷款难、银行难放贷＂的农村经济发展制约瓶颈,已经成为了农村改革发展以及新农村建设的一个突出问题。开展农村＂三权＂抵押贷款改革创新,对支持新农村建设、服务＂三农＂经济、深化农村金融改革、推进城乡统筹发展具有重大意义。然而,在农村＂三权＂抵押贷款改革创新探索实践中又面临思想不到位、认识不统一、发放进度慢、发展不协调、推进不平衡、宣传力度小等诸多困难。应切实提高思想认识,强化农村＂三权＂改革创新考核机制建设,加快推进农村＂三权＂抵押贷款业务市场整体向前发展,加快建立完善配套市场体系以及农村＂三权＂抵押贷款法律纠纷案件的执行规程及具体实施细则。
＂농호증수난、농민대관난、은행난방대＂적농촌경제발전제약병경,이경성위료농촌개혁발전이급신농촌건설적일개돌출문제。개전농촌＂삼권＂저압대관개혁창신,대지지신농촌건설、복무＂삼농＂경제、심화농촌금융개혁、추진성향통주발전구유중대의의。연이,재농촌＂삼권＂저압대관개혁창신탐색실천중우면림사상불도위、인식불통일、발방진도만、발전불협조、추진불평형、선전력도소등제다곤난。응절실제고사상인식,강화농촌＂삼권＂개혁창신고핵궤제건설,가쾌추진농촌＂삼권＂저압대관업무시장정체향전발전,가쾌건립완선배투시장체계이급농촌＂삼권＂저압대관법률규분안건적집행규정급구체실시세칙。
＂hard for farmers＇ income increasing, hard for farmers＇ loans, hard for bank＇s lending＂, these three problems constrain the economic development in rural areas in China, which have become a serious problem for the rural reform and the new countryside construction. To start the reform of the ＂Three Rights＂ mortgage loan is of great significance for supporting the construction of new countryside, deepening rural financial reform and promote the urban-rural coordinated development. However, there are some difficulties in the reform of the ＂Three Rights＂, such as lack of understanding, slow distributed of loan, uncoordinated development and progress and weak advocate. We should make some measures for the well development of the reform of the ＂Three Rights＂ mortgage loan, such as improve the ideological understanding, strengthen the mechanism, accelerate the rural mortgage business developing market, establish the market system and put forward the legal implementation procedures and details.