改革开放以来，处于城郊和广大乡镇地区的中小企业发展迅速，用于扩大再生产的资金需求也日益强烈，但由于集体土地政策及管理等原因，中小企业使用的集体土地及附着在其上的厂房等难以成为有效资产，从而使中小企业将土地和厂房进行抵押融资受到制约、为解决集体土地抵押难、? Since the reform and opening up, small and medium-sized enterprises in the suburbs and vast towns and townships have been developing rapidly. There is also a growing demand for funds for expanding reproduction. However, due to collective land policies and management, collectively owned land for small and medium-sized enterprises and factories attached to them So difficult to become an effective asset, so that SMEs land and plant mortgage financing will be restricted, to solve the collateral land mortgage difficult?