宅基地抵押贷款破解了长期以来农民融资缺乏有效担保物的难题,有助于激发其创业热情,促进农民增收。福建晋江是全国15个宅基地制度改革试点之一,也是全国农房抵押贷款试点县(市、区)。2015年12月27日,第十二届全国人民代表大会常务委员会第十八次会议决定,授权了晋江等59个试点县(市、区)行政区域暂时调整实施《物权法》、《担保法》关于 Homestead mortgage loans cracked the peasants ’lack of effective collateral for financing for a long time, which helped stimulate their entrepreneurial enthusiasm and boost farmers’ income. Jinjiang, Fujian Province, is one of the pilot sites for reforming the system of 15 homestead sites in China. It is also a pilot county (city, district) for rural housing mortgage loans. On December 27, 2015, the 18th meeting of the Standing Committee of the 12th National People’s Congress decided to authorize the administrative regions of 59 pilot counties (cities and districts), such as Jinjiang, to temporarily adjust and implement the “Property Law” and “Security Law” on