Business Development Financial Institutions Pingluo Rural Land Property Mortgage Financing

With urban and rural development, especially industrialization, speed up urbanization, rural reform and development is also facing many challenges and problems. Especially in the land of farmers decentralized management units, small-scale, high cost, low efficiency, high risk; land-based rural factor markets trader is not established, the rational flow of poor land use rights, hindering the modest standard operating land did not play the greatest benefits, labor productivity is difficult to improve. Rural villages scattered and occupied a large area of prime land, the farmers into land, homestead, housing a large number of idle resources, can not be converted into capital, both resulting in a waste of land resources, and tied the peasants to cities and towns.Begin by the end of2011, as one of the24Pingluo rural reform pilot area, the official launch of the rural land management system reform. Through continuous exploration, Pingluo system to speed up the construction of rural land management infrastructure, completed the rural land contract and management rights, farmers home ownership, rural collective construction land use right is indeed right. The establishment of a rural land property rights trading platform to build rural land contract management rights transfer system. Along with the reform process, the rural land property mortgages this new thing came into being. After two years of operation, Pingluo reforms and achieved remarkable results, but also exposed some problems worth thinking and in-depth analysis.This article is based practice and innovation Pingluo mortgage financing of rural land ownership, summarized the land use right transfer and mortgage financing primarily practices in order to further promote the reform of the rural land property rights and rural land loans secured financing innovation mention reference.