土地承包经营权抵押的制度“瓶颈”与制度创新

土地承包经营权抵押禁止的制度安排严重束缚了农地的融资功能。由地方政府推动的各种抵押试点探索虽具有积极意义，但都走不出“假抵押”、“变相抵押”怪圈，这不但增加了交易成本，且加大了政府自身的市场风险。解决问题的前提在于在城乡统筹和城乡社会保险均等化前提下通过立法重构土地承包经营权抵押制度，将土地承包经营权永久化、物权化。同时应当允许成渝两地城乡统筹实验区率先逐步展开土地承包经营权抵押试验，司法也应当区分情况，审慎回应各地的抵押试点。

The Institutional Bottleneck and Innovation of the Mortgage of the Contracted Land Management Right

The current system does’ t allow mortgage of the farmers’ contracted land right.It has severely hampered the financing function of farmland.In the background of agricultural scale management asking for huge financing requirements,various regions are trying to test how to mortgage the contracted management land.However,experiments promoted by the governments under the bottleneck of mortgage are all "false mortgage",which not only increase the transaction cost,and largely increase market risk government itself.The solution of the problem lies in legislative reconstruction of the mortgage system of the contracted land right,and also cultivate and develop land market.In addition,the judicial organ also ought to distinguish all over,prudent response to every contracted land right mortgage experiments.