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2008年,人民银行和银监会联合出台了《关于加快推进农村金融产品和服务方式创新的意见》,提出了“创新贷款担保方式,扩大有效担保品范围”的要求。我国部分地区随之开始了以农民“土地承包经营权、宅基地使用权和林权”(简称“三权”)抵押贷款试点。结合江西省泰和县的实践,就发展“三权”融资抵押提出以下建议。一是修订相关法律制度,为“三权”抵押贷款发展打好法律基础。应修订
In 2008, the People’s Bank of China and the China Banking Regulatory Commission jointly issued the Opinions on Speeding up the Innovation of Rural Financial Products and Services and proposed the requirements of “innovating loan guarantee methods and expanding the scope of effective collateral”. In some areas of our country, a pilot project of peasants’ mortgage loans for “land contractual management rights, house use rights and forest rights” (“the three rights”) began. With the practice of Taihe County in Jiangxi Province, the following suggestions are made on the development of “three rights” financing mortgage. First, amend the relevant legal system and lay the legal foundation for the development of the “three rights” mortgage loan. Should be revised