Try To Talk About The Function Of The Right To Use Farmland In Farmland Finance

Along with the agricultural production scale expands unceasingly and the construction of marketability system in agricultural product market transaction, "the bottleneck", which the farmer's fund seriously short also highlights in the agricultural marketability developing process. However, the supporting agriculture policy and the rural finance organization in our country has much limitation in system and function, adds on the industrial nature which farmer itself manages, causes the farmer difficult to loan. How to solve the problem is the key in this article. The characteristic of the right to use farmland which the farmer own, enables the farmer to act it as collateral in the farmland finance. This vital function let the farmer to obtain the loan, and promote the development of farmland finance in our country.This article let the right to use farmland acts as collateral in the farmland finance, utilizes the system research method, the theoretical analysis and the real diagnosis research unify method, the static research and the dynamic research unify method and the compared with method. Embarks from the function of the right to use farmland in the farmland finance, firstly, the article analyzes the present situation and the reason why the farmer loan difficult, propose the mentality to use the right to use farmland as financial collateral to solve the problem that the farmer loan difficult. Second, introduces the farmland financial institution of overseas and Taiwan, and analyzes the enlightenment, what is regarding the right to use farmland as collateral in farmland financial institution. The third part, to analyze the feasible reason why takes the right to use farmland as collateral. The last puts forward the proposal to the policy that take the right to use farmland as financial collateral, including, improve laws and regulations, define the right to use farmland, improve farmland finance institution construction, study the advanced experience overseas to propose the implementation step how to take the right to use farmland as financial collateral in the farmland financial institution in the domestic.The last part is summarizes. The right to use farmland not only acts as collateral in the farmland financial institution, but also relates mutually with our country's farmland finance development. However, the path that takes the right to use farmland as financial collateral in farmland finance in our country will be winding and long.