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农村产权抵押融资是破解农户和农村中小企业抵押难、担保难、贷款难的有效途径。杨凌示范区作为全国农村金融改革试验示范区，积极探索农村产权抵押融资创新试点，并取得一定成效。本文以杨凌示范区农村产权抵押融资试点工作的开展情况为背景，总结出农村产权抵押贷款“杨凌模式”，并从中找出限制农村产权抵押融资工作有效开展的制约因素，针对性地提出破解对策，以形成“可复制、易推广、广覆盖”的农村金融模式，为破解“三农”金融难题提供依据和指导。“,”The rural property right mortgage financing is the effective way to solve the difficulties in the mortgage, guarantee and loans of the farmers and rural small and medium-sized enterprises. Yangling demonstration zone as a national pilot demonstration zone of the rural financial reform has actively explored the innovation of the rural property right mortgage financing and achieved certain ef-fects. Based on the pilot work of the rural property rights mortgage financing of Yangling demonstration zone, the paper sums up the Yangling Mode of the rural property right mortgage, finds out the restricting factors which limit the effective development of the rural property right mortgage financing, and puts forward specific countermeasures in order to form a“replicable, easy to promote, wide coverage”mode of the rural finance and to provide the basis and guidance for solving difficulties in agriculture, rural areas and farm-ers.