近年来,各地银行业金融机构在农村土地承包经营权抵(质)押贷款业务上的创新“破冰”不断,广西银行业金融机构也尝试开展了此类贷款业务。但是,土地承包经营权抵(质)押行为是否合法有效,是否有条件大范围推广,以及政府扶持政策尚待配套落实、法律法规尚待完善健全等诸多问题,始终困扰着各家 In recent years, banking financial institutions in various places have continued to innovate in “breaking ice” in the loan-denying and loan business of rural land contracting and management and Guangxi banking financial institutions have also tried to carry out such loans. However, whether the land contracting management right (pledges) is legally valid or not, whether the conditions are widely extended, and the government supportive policies have yet to be fully implemented and the laws and regulations still need to be perfected and perfected continue to plague every household