本文通过实地调查,发现农村土地经营权抵押贷款的银行供给意愿不强,“惜贷”现象明显,建议从完善相关配套政策,夯实土地流转基础;构建银保合作模式,探索贷款风险缓释及补偿新路径;完善贷款要素设计,提高客户满意度三个方面提升银行信贷供给意愿,促进农村土地经营权抵押贷款健康发展。 Based on the field survey, we found that the willingness of banks to provide mortgage loans for rural land management is not strong, and the phenomenon of “looting loans” is obvious. It is suggested that the relevant supporting policies should be perfected to consolidate the foundation of land transfer. The bank-insurance cooperation mode should be explored to explore loan risk mitigation Release and compensation of new paths; improve the loan factor design, improve customer satisfaction in three areas to enhance the bank credit supply will promote the healthy development of rural land management right mortgage loans.