| 摘要: |
| ［目的］客观掌握黑龙江省3个试点县的土地经营权抵押贷款运行实践，对首轮试点期结束后土地经营权抵押贷款产生的共性问题进行总结，进而探究完善对策，为新一轮的抵押试点运行和制度建设提供积极思路。［方法］通过3县土地经营权抵押的田野调查，与农经部门和抵押参与主体进行深度访谈，获得土地经营权抵押贷款试点资料，并在此基础上定性阐释3县土地经营权抵押贷款模式、困境和对策。［结果］3县分别形成了“四权结合”、“直接设定”、“扶贫关联”的土地经营权抵押贷款模式，但仍存在推进不均衡、认定不准确、评估不科学、成效不明显等突出问题，应从强化支持、加强规范、科学评估、维护权益等方面积极完善。［结论］3县的土地经营权抵押贷款试点实践已取得一定成果，但存在共性、个性兼有的问题，因此需要进一步巩固成果、解决问题，从而为省、国家层面的制度建设形成支撑。 |
| 关键词: 土地经营权 抵押贷款 试点地区 制度反思 黑龙江省 |
| DOI： |
| 分类号:F832.43;F321.1 |
| 基金项目:黑龙江省哲学社会科学规划项目“农地‘三权分置’的权利内涵及风险法律防控研究”（15FXB04）；黑龙江省社科基金项目“农村土地承包经营权转型改革法律对策研究”（14D002） |
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| PREDICAMENT IN THE PILOT OPERATION OF MORTGAGE LOAN FOR FARMLAND MANAGEMENT——BASED ON THE FIELD INVESTIGATION IN KESHAN, SUIBIN, LANXI COUNTY IN HEILONGJIANG PROVINCE |
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Liu Zhaojun1, Li Songze2, Ji Chunyu2
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1.College of Humanities and Law, Northeast Agricultural University, Harbin, Heilongjiang 150030, China;2.College of Resource and Environment, Northeast Agricultural University, Harbin, Heilongjiang 150030, China
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| Abstract: |
| The objectives of this paper were to grasp the practice of mortgage loans for land management rights in the three pilot counties in Heilongjiang province, summarize the common issues arising from mortgage loans for land management rights after the first pilot period, and explore and improve countermeasures to provide positive ideas of pilot operations and institutional development for a new round of mortgages. Field investigations and in-depth interviews were used to qualitatively explain the land management rights, mortgage loan model, dilemma and countermeasures of the three counties. The results showed that the three counties were respectively formed a mortgage loan model of "four rights combination", "direct setting", and "relevance for poverty alleviation", but there were still some outstanding problems such as unbalanced promotion, inaccurate accreditation, unscientific assessment, and ineffective results. It should be actively improved in terms of strengthening support, strengthening norms, scientific assessment, and safeguarding rights and interests. It concluded that the pilot practice of land management right mortgage loan in three counties had made some achievements, but there were some problems of commonality and individuality. Therefore, it was necessary to further consolidate the achievements and solve the problems, so as to support the system construction at the provincial and national levels. |
| Key words: land management right mortgage loan pilot area institutional reflection Heilongjiang |
