涉农中小企业农地经营权抵押贷款融资研究.pdfVIP

涉农中小企业农地经营权抵押贷款融资研究 姓名：罗华伟 会计学教授 谯小霞 硕士研究生 工作单位：四川农业大学经济管理学院 通讯地址：中国.四川.成都.温江区惠民路211号 邮编：611130 E-mail:luohw888@126.com 手机 传真：028 1 摘要：农地抵押贷款对涉农中小企业实现“以资源换资金”、推动“三农”经济发展具有重 大意义。本文通过实地调研和问卷统计分析等方法，对影响农村金融机构开展农地抵押贷款业务 的因素及信贷员对涉农中小企业农地价值等的看法进行了深入探究。论文的研究结果表明，涉农 中小企业农地抵押融资潜力大，农地抵押产权稳定与权能完整是重点，产权所有制对涉农中小企 业利用农地抵押融资影响不大，当前涉农中小企业农地抵押面临的制约因素多。论文在详细剖析 了我国当前制约农地抵押融资的因素之后，提出了进一步发挥农地抵押贷款作用的对策。 关键词：农地抵押贷款；涉农中小企业；融资 Abstract：Agricultural land mortgage to the agriculture-related SME implementation resources for capital, promoting three agriculture economic development is of great significance.Through statistical method, this paper in-depth inquiry the factors which affect rural financial institutions grant land mortgage in the mortgage business.Research results show:it has a great potential for agriculture-related SME using the agricultural land to finance,the farmland right stability and integrity is the most important factor to finance by land mortgage for agriculture-related SME,property ownership had no effect on agriculture-related SME to finance by agricultural land mortgage,the SME land mortgage facing many restricting factors.After a detailed analysis of restricting factors of the agricultural land mortgage financing, this paper proposed some suggestions. Keywords: agricultural land mortgage ; agriculture-related small and medium enterprises;