The integration of agricultural land and finance is an important innovation to solve the problem of"difficulty in financing"for farmers in China under the background of"separation of three rights",and it is also the key to expand the scope of agricultural collateral and alleviate rural credit constraints.This paper analyzes the integration mechanism of agricultural land and finance by applying the rooting theory to a representative pilot model of agricultural land management right reform in China.Through the research,five major integration mechanisms are summarized,including incentive mechanism for participation of agricultural operators and financial institutions,compensation mechanism for financial risk prevention,guarantee mechanism for land transfer and realization,regulation mechanism for effective allocation of land and capital,coordination mechanism for interests of participating subjects,and information exchange and sharing mechanism.It is recommended that policy measures be taken to further promote the integration of agricultural land and finance,such as making full use of the results of the reform of"separation of three rights",stabilizing the flow of agricultural land,optimizing the debit and credit process,reducing the cost of debit and credit,guiding healthy competition in the financial market,and improving the ability to prevent financial risks with the help of big data and blockchain technology.
关键词
农地与金融/经营权抵押贷款/融合机制/扎根理论
Key words
Agricultural Land and Finance/Operating Right Mortgage Loan/Integration Mechanism/Grounded Theory
维普
万方数据