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2015年8月国务院出台《关于开展农村承包土地的经营权和农民住房财产权抵押贷款试点的指导意见》,同一年底,试点工作开启,全国232个地区被确立为农村承包土地经营权抵押贷款试点、59个地区被确立为农民住房财产权抵押贷款试点。在国家引导和地方政府推动的大环境下,“两权”抵押贷款高速发展,已经成为农村金融创新的突破口,但在实践中也遇到了一些实践困难和法律障碍。
In August 2015, the State Council issued the Guiding Opinions on Piloting Rural Land Contract Management and Peasant Housing Property Right Mortgage Loans. At the end of the same year, pilot work was started. 232 regions in the country were established as pilot pilots for rural contractual land management right mortgages, Fifty-nine districts were established as pilots for peasant housing property rights mortgages. Under the guidance of state guidance and promotion by local governments, the rapid development of “two rights” mortgage loans has become a breakthrough in rural financial innovation. However, in practice, some practical difficulties and legal obstacles have also been encountered.