摘要
农地与金融融合发展是“三权分置”背景下解决我国农户“融资难”问题的重要创新,也是当前拓展农业抵押品范围,缓解农村信贷约束的关键所在。本文运用扎根理论选取国内具有代表性的农地经营权改革试点模式作为研究对象分析了农地与金融融合发展机制。通过研究总结出农业经营主体和金融机构的参与激励机制、金融风险防范补偿机制、土地流转和变现的保障机制、土地和资金有效配置的调节机制、参与主体利益协调机制以及信息交流共享机制等五大融合机制。建议采取充分利用“三权分置”改革成果、稳定农地流转关系,优化借贷流程、降低借贷成本,引导金融市场良性竞争,借助大数据和区块链技术提高金融风险防范能力等政策措施进一步促进农地与金融融合发展。
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.
作者
公茂刚
王楷文
Gong Maogang;Wang Kaiwen(School of Economics;Research Center for Sinicization of Marxism,Shandong University of Technology)
出处
《金融发展评论》
2024年第4期79-95,共17页
Financial Development Review
基金
国家社科基金一般项目(20BJY118)
山东省社会科学规划研究重点项目(23BJJJ07)
关键词
农地与金融
经营权抵押贷款
融合机制
扎根理论
Agricultural Land and Finance
Operating Right Mortgage Loan
Integration Mechanism
Grounded Theory
作者简介
通讯作者:公茂刚,经济学博士,硕士生导师,教授,山东理工大学经济学院,马克思主义中国化研究中心研究员,山东省理论人才“百人工程”人选人员,Email:gongmaogang@126.com;王楷文,硕士研究生,山东理工大学经济学院。
