农村金融供需矛盾突出的主要原因在于农民缺乏金融机构认可的担保物,而要实现农地承包经营权抵押需作出经济法上的调整与规范着我国农业现代化的加快推进和农业生产经营规模的不断扩大,资金短缺已成为制约农村经济发展的主要瓶颈之一。同时,由于农村居民收入结构单一、经营规模小、多使用现金消费等特点,金融机构在信贷活动中面临着严重的信息不对称问题,导致无法有效区分贷款申请人的风险类型而限制信贷资源的有效配置。农村金融供需矛盾之所以突出,主要原因在于农民缺 The main reason for the contradiction between supply and demand of rural finance is that the peasants lack the collateral recognized by the financial institutions. To realize the contractual right of farmland mortgage, it is necessary to make adjustments in economic law and standardize the accelerating agricultural modernization in our country and the continuous scale of agricultural production and operation Expansion and shortage of funds have become one of the major bottlenecks that restrict the development of rural economy. At the same time, financial institutions face serious problems of information asymmetry in credit activities due to the single income structure, small scale of operation and excessive use of cash in rural areas, resulting in the inability to effectively distinguish the risk types of loan applicants and restrict the credit resources Effective configuration. The reason why the contradiction between supply and demand of rural finance is prominent is mainly due to the lack of peasants