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当前,随着中国社会经济的发展,各经济板块被忽视的问题日益凸显。房地产业作为中国经济增长中做出突出贡献的一个版块,其以土地抵押为核心的经济链条中的问题也日益暴露:土地价值评估问题、土地审批及其证件问题、土地闲置问题等。同时,作为土地抵押放贷方的银行,在诸多问题暴露的情形下,如何处理好抵押物贬值甚至无法实现其抵押价值的问题成为当下经济生活中一个不能忽视的课题。文章基于对土地抵押暴露问题的反思,提出了解决以土地抵押为核心的经济链条正常运转的对策和建议。
At present, with the development of China’s social economy, the problems of neglect of various economic plates have become increasingly prominent. As a section of China’s economic growth, the real estate industry has increasingly exposed its problems in the economic chain with land mortgage as the core: land value assessment, land approval and certification, land idleness and so on. At the same time, as a lender of land mortgages, how to deal with depreciation of collateral or even failure to realize the value of mortgages becomes a problem that can not be neglected in current economic life when many problems are exposed. Based on the reflection of the problem of land mortgage exposure, the article puts forward the countermeasures and suggestions for solving the problem of normal operation of the economic chain with land mortgage as the core.