土地储备制度是近年来城市土地制度改革的一项重大举措,成为我国经营性土地可持续化供应的重要环节。但由于土地储备需要大量的资金支持,一定程度上,土地储备必然与银行信贷建立关联,储备土地抵押被金融机构认为是有政府保障、土地价值保障的业务类型,土地储备开发也基本形成“土地抵押贷款-支付土地储备前期成本-土地收益还贷”这一资金链条。由于目前的土地储备贷款操作还存在一定的不完善之处,一旦遇到信贷政策收紧或地产低潮,资金链容易发生断裂。特别值得关注的是,现阶段随着楼市调控进一步深入,开发商资 The land reserve system is a major move in the reform of urban land system in recent years and has become an important part of the sustainable supply of commercial land in our country. However, due to the large amount of financial support land reserves require, to some extent land reserves must be linked with bank credit. The reserve land mortgages are considered by financial institutions as the type of business guaranteed by the government and land value and the land reserve development is basically formed. Land mortgage loans - the cost of land reserves to pay the previous - repayment of land revenue "this funding chain. Due to the current land bank lending operation there are still some imperfections, once the credit policy tightening or real estate downturn, the capital chain is prone to break. Particularly noteworthy is that at this stage as the property market further regulation, development of commercial resources