随着我国农业的快速发展,现有的农户扩大生产的资金来源成了最大的问题。响应党中央的号召,为进一步支持农户增产增收,必定要探索农户抵押款的可行性途径,而花溪区特殊的地理位置具有作为改革试点的条件,就更加具有研究的必要了。本文从农户需求的角度阐明抵押的可行性,主要针对“三权”(土地承包经营权、林权、房屋权)作为抵押物,运用调查、访谈等揭示借贷中存在的问题,并为推动抵押贷款提出相应的对策以保证借贷过程的顺畅。 With the rapid development of agriculture in our country, the existing sources of funds for farmers to expand their production have become the biggest problems. In response to the call of the Party Central Committee, in order to further support the farmers’ increase in production and income, it is necessary to explore the feasibility of peasant mortgage loans. However, Huaxi District’s special geographical location as a reform pilot is more necessary for research. This paper illustrates the feasibility of the mortgage from the perspective of the needs of farmers, mainly for the “three rights ” (land contractual management rights, forest rights, housing rights) as collateral, the use of surveys, interviews reveal the problems in the loan, and Promote mortgage loans to propose appropriate measures to ensure smooth lending process.