摘要
I
农村土地承包经营权抵押融资业务研究
——以 T 银行实践为例
中文摘要
推动农村金融发展一直是普惠金融的需求，然而我国广大农村金融服务却普遍呈
现农民贷款难，银行难贷款的困境。中国拥有最广阔的农村土地资源，但目前农民或
者合作农场却往往无法提供银行认可的有效资产抵押来获取贷款，日益增长的农村资
金需求与新农村产业进程的矛盾不断增加。国家从政策层面不断释放信号，允许农户
将合法获得的土地承包经营权进行抵押融资，通过盘活农户手中的土地资源，利用土
地抵押来获取银行资金支持，最终以达到扩大再生产的目的。现代化的农业推广离不
开土地的有效利用，探索出适合全国的农村土地承包经营权抵押贷款业务是必要的且
迫切的。
本文主要从农地抵押贷款的研究背景及意义出发，结合一些文献综述研究，以 T
银行农村土地承包经营权抵押贷款业务开展情况为研究对象，主要分析了 T 银行的业
务概况，遇到的问题以及原因。同时借鉴国内外模式，提出对 T 银行业务完善的对策
与建议，强调在实践中不断完善农地抵押贷款业务操作规范，提升银行视角的风险控
制管理能力并完善外部环境的重要性。
关键词：土地承包经营权；抵押；T 银行
作 者：朱志刚
指导教师：徐 涛英文摘要 农村土地承包经营权抵押融资业务研究——以 T 银行实践为例
II
Study on Mortgage Financing of Rural Land Contracted
Management Right
——Taking the practice of bank T as the example
Abstract
To promote rural financial has always been regarded as the demanding of inclusive
financial. Regarding the vast rural financial services in China, however, farmers have
difficulties to get loans as the banks have difficulties to release loans. The rural land
resources are generous in China, but farmers or cooperative farms are always unable to
provide eligible mortgaged asset to obtain loans from banks, the conflict between the
growing demand for rural capital and the industrial process in rural area is exacerbating.
The authority releases positive signals from the political aspects, which are allowing
farmers to obtain mortgage financing with their rural land contracted management right as
the pledged asset. By increasing the liquidity of farmers’ land resources and obtaining the
financial support from banks with the use of land mortgage rights, the goal of reproduction
expanding will be reached finally. The maximization of utility in land resources is the
inseparable part of the promoting of modern agriculture, it is urgent and necessary to
explore a suitable rural land contracted management right mortgage model for the whole
country.
Based on the research background and meaning of farmland as pledged asset of
mortgage loan as well as the other existing studies, this paper mainly analyze the business
models, problems and related reasons of bank T in its business of mortgage loan backed by
rural land contracted management right. Considering other practical models in China as
well as out China, the paper further addresses the countermeasures and suggestions for the
improvement of relevant mortgage loan business of bank T, and finally emphasizes the
importance of improving the practical guidelines and risk control ability of bank who
operates the business of mortgage loan backed by rural land contracted management right,
and the significance of a better external operating environment for bank.
Key words: land contracted management right;Mortgage; T bank
Written by:Zhigang Zhu
Supervised by:Tao Xu目 录
第一章 绪 论....................................................................................................................1
1.1 研究背景和意义 ..........................................................................................................1
一、研究背景.................................................................................................................1
二、研究的意义.............................................................................................................2
1.2 研究内容和层次结构 ..................................................................................................3
一、研究方法.................................................................................................................3
二、研究思路.................................................................................................................3
三、研究框架.................................................................................................................3
第二章 相关理论及文献综述............................................................................................5
2.1 国外土地抵押贷款的研究综述 ..................................................................................5
2.2 国内农村土地承包经营权抵押贷款的研究综述 ......................................................5
2.2.1 农村土地承包经营权抵押概念的研究................................................................5
2.2.2 农村土地经营权抵押贷款模式研究....................................................................6
2.2.3 农村土地承包经营权抵押贷款必要性研究........................................................7
第三章 T 银行农地承包经营权抵押融资业务................................................................8
3.1T 银行农地抵押融资业务介绍....................................................................................8
3.1.1 T 银行土地承包经营权抵押融资业务开展情况 ................................................8
3.1.2 T 银行土地承包经营权抵押融资要求 ................................................................9
3.2 T 银行土地承包经营权抵押融资流程..................................................................... 11
3.3 抵押额度以及违约处置 ............................................................................................13
3.4 T 银行业务特色.........................................................................................................14
3.4.1 T 银行在业务上与地方结合更紧密 ..................................................................14
3.4.2 主要的融资对象是合作农场等新型经营主体..................................................14
3.4.3 农地确权和抵押登记由市委农办承担..............................................................15
3.4.4 农地经营权价值评估由政府农委负责..............................................................15
3.4.5 农地经营权授信由市场化确定..........................................................................16
3.4.6 建立多方共同监管贷款用途使用机制..............................................................16第四章 存在的问题与原因分析......................................................................................18
4.1 存在的问题 ................................................................................................................18
4.1.1 业务动力不足......................................................................................................18
4.1.2 抵押权变现难......................................................................................................19
4.1.3 业务发展缓慢......................................................................................................20
4.1.4 程序繁琐..............................................................................................................20
4.2 原因分析 ....................................................................................................................20
4.2.1 缺乏有效担保补充..............................................................................................21
4.2.2 风险管理手段不足..............................................................................................21
4.2.3 专业人才的培养缺失..........................................................................................22
4.2.4 现行法律对农地承包经营权抵押的障碍..........................................................22
4.2.5 土地承包经营权流转市场不完善......................................................................23
第