Countermeasure Research For Development Of Land Bank

Land bank is the land financial institutions dominated by the government.In our country,the traditional small-scale,decentralized agricultural operating income under the household contract responsibility system has been unable to meet the increasing cost of farmers,living.through the development of Land Bank,the efficiency of rural land use can be improved,and the reform and development of rural economy will be promoted.Combined with the nature of the land and the Land Bank practice of States,Land Bank can be defined as a comprehensive financial services institution aimed to support the agricultural development.It optimizes the allocation of rural land resources and promotes the transfer of the contractual right of land by land deposit and lending business,land mortgage business and land bonds business.It has the peculiarity of coexisting the policy and commercial character,supporting the agricultural development,and the main business contents as land deposit and lending business,land mortgage business and land bonds business.And from the run mode,the Land Bank is funded by state as the main body.It executes the double-layer structure with the combination of the Central Land Bank and the Grass Land Cooperatives.And a strict supervision mechanism has been set up to ensure the normal operation of the Land Bank.At present in our country,many areas have appeared the embryonic form of Land Bank.On the one hand,these practices embodies the characteristics of the development of Land Bank in our country,which include paying attention to the protection of the rights and interests of farmers,mainly testing in the following municipal areas according to local conditions,and having flexible solution.On the other hand,they also highlight the problems in the process of developing Land Bank in our country,including the vagueness of farmland property right,the weakness of financing ability,the difficult of land circulation value assessment,the imperfectness of risk prevention and control mechanism and so on.Land Bank is an important way to improve the utilization efficiency of cultivated land,and is an inevitable trend in breaking the plight of rural land circulation.It is the internal demand to protect farmers' land property rights,and is an effective way to solve the problem of "agriculture,rural areas and farmers".A large amount of practice exploration related to Land Bank have already existed in our country.A good external environment to develop Land Bank has been provided by the rapid development of market economy;the legal foundation of the contractual right of land and the policies of promoting rural reform.So,the reality of our country provides-the feasibility of the development of Land Bank.According to the present situation of the development of Land Bank and the basic national conditions in China,it must be beginning in many ways in order to guarantee the smooth development of Land Bank.First,clear land property rights legally,appropriately relax the restrictions of the contractual right of land by the law,in order to clean the disorders of land circulation.Second,institutionally standardize the organization structure of Land Bank,to expand the financing function of Land Bank.Third,the professional agricultural land value evaluation system should be established by constructing farmland circulation information trading platform and formulating reasonable value evaluation criteria.Fourth,improve the supervision system of land bank by way of treating the China Banking Regulatory Commission(CBRC)as the main regulatory body and combining internal supervision with external supervision.Finally,improve the legal system to ensure priority of the confirmation of land right.Improve the insurance mechanism and promote agricultural insurance to establish the "all-in-one" risk prevention mechanism.