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发达国家有明确机构、完备法规、多样化运作模式和稳定资金来源来确保农地抵押融资顺利完成,而我国受到体制和机制约束,农地抵押贷款还处于探索阶段。比较中外农地抵押模式可以发现,土地制度不同、金融规则不同、融资主体不同和产生结果不同。因此,要实现农地抵押贷款试点的长期效应,有必要进行农地管理制度创新和构建土地交易市场。
Developed countries have a clear body, complete laws and regulations, diversified mode of operation and a stable source of funds to ensure the successful completion of agricultural land mortgage financing, and our country is bound by the system and mechanism, agricultural land mortgage loans are still in the exploratory stage. Comparison of Chinese and foreign farmland mortgage model can be found in different land systems, different financial rules, different financing entities and produce different results. Therefore, in order to realize the long-term effect of the pilot farmland mortgage loan, it is necessary to innovate the farmland management system and construct the land transaction market.