近年来，随着农村土地经营权抵押与相应金融支持政策相继出台，打开了 农村金融发展的新局面。土地确权并为农户颁证，有利于优化包括资金在内的 资源配置、有利于金融部门支持土地经营权抵押融资业务开展，因此J银行A 分行对办理农村土地经营权线上抵押贷款业务进行尝试性的创新设计，解决了 传统银行农地抵押信贷操作过程中遇到的难点。 本论文分析了J银行A分行所推行的农村土地经营权线上抵押案例模式， 介绍了J银行A分行线上农地抵押贷款业务，该业务主要通过搭建农村土地经 营权流转管理系统，以土地确权信息为核心支撑数据，精准采集农村土地经营 权流转及抵押信息，实现线上办理农地抵押贷款业务。通过对该线上农地抵押 贷款业务创新点进行分析，总结出线上农地抵押流程及产品设计的案例价值点， 并指出下一步该业务在推进过程中存在的问题和原因，最后结合原因分析提出 了解决现有问题的相关对策和建议，以期可以进一步完善线上农地抵押信贷业 务，从而提高新型农业经营主体参与线上农地抵押贷款的积极性，对J银行创新 农村土地承包经营权线上融资模式，依托标准化数据及金融综合服务平台功能， 建立农村系统自动信用评级系统具有政策优化意义。 关键词：农村土地流转；土地经营权线上抵押贷款；金融服务 J银行A分行农地抵押贷款业务发展问题研究 2 Abstract Inrecentyears,withthereleaseofmortgageofrurallandmanagementrightand correspondingfinancialsupportpolicies,thenewsituationofmortgageofrural managementrightandruralfinancialdevelopmenthasbeenopened.Landapproval andforfarmerslocated,whichisbeneficialtooptimizingtheallocationofresources, includingmoney,isadvantageoustothefinancialsectorsupport,landcirculationand landmanagementrightsmortgagefinancingbusiness,soJbankAbranchtodealwith theonlinetorurallandmanagementrightmortgageprocessinnovationtentative design,solvethetraditionalfarmlandmortgageBanksencounterdifficultiesinthe processofoperation. ThispaperanalyzestheimplementJbankAbranchoftheruralland managementrightsmortgageonlinecasemodel,thispaperintroducestheJbankA branchthroughconstructingrurallandcirculationmanagementsystem,realizeland approvalinformationasthecoresupportdata,accuratecollectionofruralland managementrightsandmortgageinformation,soastorealizeagriculturalland mortgageonlineisdealtwith.Basedonthein-depthanalysisofthiscase,thispaper summarizesthecasevaluepointsoftheprocessoffarmlandmortgageandproduct designontheline,andpointsouttheproblemsandcausesintheprocessof repropulsion,andfinallyputsforwardrelevantpolicySuggestionstosolvethe existingproblems.Inordertofurtherresolvetheexistingrurallandcontractand managementrightsonlineloanrisk,improvethenewtypeofagricultural managementmainbodyparticipationintheenthusiasmofagriculturallandmortgage, onlineforJbankonlinefinancingpatterninnovationtothecontractedmanagementof ruralland,basedonastandardizeddataandintegratedfinancialservicesplatform function,theestablishmentofruralpolicyoptimizationsignificancesystemautomatic creditratingsystem. Keywords:rurallandtransfer;Onlinemortgageloansforland;Financialservices J银行A分行农地抵押贷款业务发展问题研究 3 目录 摘要.........................................................................................................1 Abstract.......................................................................................................2 第一章绪论...............................................................................................6 1.1研究背景和意义.........................................................................................................6 1.1.1研究背景...................................................................................................................6 1.1.2研究意义...................................................................................................................6 1.2研究思路及研究内容..................................................................................................7 1.2.1研究思路...................................................................................................................7 1.2.2研究内容...................................................................................................................7 1.3研究方法......................................................................................................................7 第二章J银行A分行农地抵押贷款业务的发展现状............................8 2.1J银行A分行简介.......................................................................................................8 2.2J银行A分行线上农地抵押贷款业务介绍...............................................................9 2.2.1线上业务开展基础简介..........................................................................................9 2.2.2线上业务开展前期调研简介................................................................................11 2.2.3创新信贷业务流程介绍........................................................................................14 2.2.4业务创新分析........................................................................................................19 2.2.5业务收益分析........................................................................................................22 第三章J银行A分行农地抵押业务发展中存在的问题及原因........24 3.1对农地抵押业务重视程度不够...............................................................................24 J银行A分行农地抵押贷款业务发展问题研究 4 3.1.1未设立农地抵押贷款业务专职部门...................................................................24 3.1.2农村金融服务网点渠道缺失.............................................................................25 3.1.3农地抵押贷款流程制度不完善...........................................................................25 3.1.4农地抵押贷款上级支持力度不够.......................................................................26 3.1.5农地抵押创新业务产品和抵押物范围待拓宽...................................................27 3.2内部风险控制机制不健全.......................................................................................28 3.2.1农地经营权处置能力不足...................................................................................28 3.2.2风险分担方式少...................................................................................................29 3.2.3土地承包经营权价值评估机制不健全................................................................29 3.2.4贷款操作风险控制不足........................................................................................30 3.3农地抵押业务流程不合理业务开展效率低.........................................................31 3.3.1信贷审批环节多....................................................................................................31 3.3.2信贷流程被割裂....................................................................................................32 3.3.3权责不明晰造成业务效率低................................................................................32 3.4新农主体和农户对线上信贷产品认知周期长.....................................................33 3.4.1涉农企业和农户对政策认知不到位...................................................................33 3.4.2新农主体和农户参与的积极性低.......................................................................34 第四章J银行A分行农地抵押业务进一步发展的对策建议.............34 4.1提高重视程度加快农地抵押业务发展...............................................................34 4.1.1拓展农业供给金融服务渠道延伸涉农业务覆盖网络......................................34 4.1.2明确对象选择优质涉农企业和农户开展业务..................................................35 4.1.3明确机制提高农地抵押贷款业务效率..............................................................36 4.2完善J银行A分行风险防控经营体系强化风险管控..........................................37 J银行A分行农地抵押贷款业务发展问题研究 5 4.2.1依托土地流转和银行信贷系统提升风险控制能力..........................................37 4.2.2引入政府和三方合作机构完善风险补偿机制..................................................38 4.2.3拓展系统功能应用范围加强信贷贷后管理......................................................39 4.3以市场驱动为导向创新开发新涉农信贷模式和助农产品.........................