| At present,China is in an important period of transformation from traditional agriculture to modern agriculture,in which the adjustment pace of rural industrial structure has been improved rapidly,and the agricultural production activities have shown a trend of diversification.In recent years,various new agricultural business entities have emerged,leading to an increasing demand for agricultural funds.However,because of the restriction of collateral,guarantee mode and other restrictions,the number of successful agricultural loans is limited.In order to inject fresh blood to rural finance and meet the capital requirements of all kinds of new operators,farmland property mortgage financing came into being,turning dormant capital into living capital,which is an innovative financing way to change loess into gold,activating the rural land economic value and widening the financing channels of farmers.Many rural areas in China have been exploring financial innovation.But how to use rural land to improve the credit demand of the new agricultural business entities has become a key point of financial innovation in rural areas.Rural land has special attributes,such as preservation and appreciation,and farmers can obtain formal credit support through farmland property right mortgage.Currently,the phenomenon of labor outflow in rural areas is serious,and there is a lot of idle land in the countryside.But the farmland property mortgage can optimize the allocation of resources,make reasonable use of the idle land,and avoid the waste of land resources.Based on the rural land mortgage financing model as the research object,by comparing the foreign mature mortgage financing model and typical domestic financial pilot case analysis,the author try to optimizes the farmland mortgage financing mode in rural areas of China from the aspects of system and mode design respectively for the sake of the promotion of the farmland mortgage financing pilot project in the future. |
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