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“两权”抵押贷款试点的开展,顶层设计的完善,源于中央对农村现实问题的洞察,也离不开代表委员们过去四年在仝国两会上满腔热忱的建言。“贷款难”一直困扰着农民和农村金融机构,其中一大症结便是农民的财产不能用于抵质押。党的十八届三中全会提出“探索农村承包经营权、农民住房财产权可抵押”的改革方向,让原本“沉睡”的农村资产变成“活钱”成为可能。在此基础上,2015年8月,国务院出台了《关于开展农村承包土地的经营权和农民住房财产权抵押贷款试点的指导意见》(以下
The development of the “two rights” pilot mortgage loan system and the improvement of the top-level design stem from the Central Government’s insight into the realities in rural areas and can not be separated from the dedicated advice made by members of the deputies on the past two years in the two countries. “Difficult loans” has plagued peasants and rural financial institutions. One of the crux of the problem is that peasant property can not be used for collateralization. The Third Plenary Session of the 18th CPC Central Committee put forward the reform direction of exploring rural contractual management right and peasants’ property rights to be mortgaged, making it possible to turn the originally “sleepy” rural assets into “living money.” On this basis, in August 2015, the State Council promulgated the Guiding Opinions on Piloting the Right to Operate the Rural Contract Land and the Peasant Housing Property Right Mortgage Loans