农地金融制度探析:综述及启示
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摘要
随着十九大乡村振兴战略的提出,农地金融制度的研究日益成为我国农业经济领域的重点和热点。农地金融作为深化农村金融改革的突破口,梳理其发展脉络具有重要的理论和现实意义。文章在辨析土地金融与农地金融概念的基础上,对国外和国内的农地金融研究现状进行梳理总结,进而归纳整理出当前研究进展以及所存在的问题。研究启示:农地金融制度要科学,配套体系要完整;农地金融发展中期要及时破除面临的障碍;农地金融发展的后期要注重金融风险的防控。
With rural revitalization strategy introduced by the 19th National Congress, the research on financial system for rural land has become an increasingly hot issue for China’s agricultural economy domain. As a breakthrough in deepening rural financial reform, the development of rural land financial system must be analyzed. This will have great theoretical and practical implications for its development at the present. On the basis of discriminating the concept of land finance and rural land finance, this paper has summarized the current situation of foreign and domestic agricultural finance research, and then concluded the current research development, as well as some problems that we face in promoting financial system for rural land. Some research implications are also presented: financial system for rural land must be made in a science way; complete supporting system must be developed; in the medium term of the development of financial system for rural land, we must overcome the obstacles we face in time; in this late stage,attention should be paid to the prevention and control of financial risks.
With rural revitalization strategy introduced by the 19th National Congress, the research on financial system for rural land has become an increasingly hot issue for China’s agricultural economy domain. As a breakthrough in deepening rural financial reform, the development of rural land financial system must be analyzed. This will have great theoretical and practical implications for its development at the present. On the basis of discriminating the concept of land finance and rural land finance, this paper has summarized the current situation of foreign and domestic agricultural finance research, and then concluded the current research development, as well as some problems that we face in promoting financial system for rural land. Some research implications are also presented: financial system for rural land must be made in a science way; complete supporting system must be developed; in the medium term of the development of financial system for rural land, we must overcome the obstacles we face in time; in this late stage,attention should be paid to the prevention and control of financial risks.
引文
[1]程郁,王宾.发达国家(地区)农地金融制度的经验及其启示[J].国家治理,2015(22):39-48.
[2]林乐芬,法宁.新型农业经营主体银行融资障碍因素实证分析:基于31个乡镇460家新型农业经营主体的调查[J].四川大学学报(哲学社会科学版),2015(6):119-128.
[3]林乐芬,金媛,王军.农村土地制度变迁的社会福利效应[M].北京:社会科学文献出版社,2015.
[4]杨涛.我国土地金融市场化问题研究[J].农村金融研究,2010(7):52-56.
[5]马敏,陈基伟.我国土地金融政策与实践梳理[J].科学发展,2017(4):47-54.
[6]丰雷,李莉,黄晓宇.土地金融对中国宏观经济的影响[J].中国土地科学,2010,24(12):3-9.
[7]杜方.中国农村土地金融制度研究[D].合肥:安徽农业大学,2008.
[8]徐程程.我国农地金融发展模式及运行机制研究[D].青岛:中国海洋大学,2013.
[9]LEVINE R.Financial Development and Economic Growth:Views and Agenda[J].Journal of Economic Literature,1997,35(2):688-726.
[10]JOHNSON R R,JENSEN G R.Federal Reserve monetary policy and real estate investment trust returns,Real Estate Finance[J].Real Estate Finance,1999(1):52-59.
[11]BRABEC E,SMITH C.Agricultural land fragmentation:the spatial effects of three land protection strategies in the eastern united states[J].Landsc Urban Plan,2002,58(2):255-268.
[12]SATURNINO BORRAS JR.Can Redistributive Reform be Achieved via Market-Based Voluntary Land Transfer Schemes?Evidence and Lessons from the Philippines[J].Journal of Development Studies,2005,41(1):90-134.
[13]HRESCHUK H.World experience in functioning of land management mechanism for the sustainable use of agricultural land[J].Balanced Nature Using,2017,6.
[14]STUART I.GREENBAUM,ANJAN V.THAKOR.Bank funding modes[J].Journal of Banking&Finance,1987,11(3):379-401.
[15]LARRY J.LOCKWOOD,RONALD C.RUTHERFORD,MARTINJ.HERRERA.Wealth effects of asset securitization[J].Journal of Banking & Finance,1996,20(1):151-164.
[16]SIMON WOLFE.Structural effects of assetbacked securitization[J].European Journal of Finance,2000,6(4):353-369.
[17]ARESTIS P,DEMETRIADES P O,LUINTEL K B.Financial Development and Economic Growth:The Role of Stock Markets[J].Journal of Money Credit & Banking,2001,33(1):16-41.
[18]STIROH K J.New Evidence on the Determinants of Bank Risk[J].Journal of Financial Services Research,2006,30(3):237-263.
[19]宋文献,罗剑朝.台湾农地金融制度及其对大陆的借鉴作用[J].洛阳师范学院学报,2003,22(4):37-40.
[20]尹云松.工业化进程中的台湾粮食生产政策[J].农业技术经济,1995(2):16-18.
[21]刘奇.农地抵押贷款的困境[J].中国金融,2014(5):19-21.
[22]董祚继.切莫曲解“三权分置”的惠农深意[N].中国国土资源报,2018-02-13(03).
[23]北京大学国家发展研究院综合课题组,周其仁.还权赋能:成都土地制度改革探索的调查研究[J].国际经济评论,2010(2):54-92,5.
[24]蒋省三,刘守英.土地资本化与农村工业化:广东省佛山市南海经济发展调查[J].管理世界,2003(11):87-97.
[25]吴福明.从民国江苏抵价券看农地金融工具的创新[J].金融博览,2013(3):32-33.
[26]罗剑朝,李林.不同市场结构中不对称信息对农信社贷款合同的影响[J].西安交通大学学报(社会科学版),2010,30(5):6-10,23.
[27]姜新旺.农地金融制度应该缓行:对构建我国农地金融制度的思考[J].农业经济问题,2007(6):11-14,110.
[28]傅巧灵,韩莉.金融中心城市金融后台服务产业发展的扩散效应分析[J].经济研究参考,2013(65):75-78,107.
[29]杜培华,欧名豪.农户土地流转行为影响因素的实证研究:以江苏省为例[J].国土资源科技管理,2008(1):53-56.
[30]王平,邱道持,李广东.基于农户意愿的农村土地抵押贷款需求探讨:以重庆市开县农户调查为例[J].中国农业资源与区划,2012,33(2):73-77.
[31]吴洁敏,乔宇.为何农民对农地金融不感兴趣:来自大连、绍兴两地的专项调查[J].中国土地,2010(4):41-44.
[32]姚德波.经济发达地区农村宅基地使用权市场化流转意愿及模式研究[D].南京:南京师范大学,2011.
[33]刘卫锋.基于农户融资需求视角的农村金融制度创新研究[J].经济纵横,2009(2):93-95.
[34]罗真.商业银行开展土地金融业务的战略思考[J].金融理论与实践,2006(10):38-39.
[35]张笑寒,张娟.农户贷款困境与农地金融制度的构建[J].江西财经大学学报,2005(6):20-23.
[36]黄洁.对开展“三块地”改革试点第三方评估的探讨[J].中国国土资源经济,2016,29(11):51-53.
[37]孔荣,CALUM TURVEY,罗剑朝.信任、利率与农村金融市场竞合关系:中国农村小额信贷市场的理论模型[J].农业技术经济,2007(5):4-9.
[38]孟丽萍.我国土地金融制度的建设与基本设想[J].农业经济,2001(2):9-11.
[39]崔慧霞.农村土地制度变革中的金融服务[J].南京财经大学学报,2004(3):21-24,97.
[40]田立,雷国平.我国农地金融体系研究的几点思考[J].商业研究,2007(5):134-137.
[41]林丽琼,张文棋.我国农业政策性金融制度创新思考[J].福建论坛(人文社会科学版),2005(1):14-19.
[42]唐双英.我国农地金融制度的构建与探索[D].重庆:西南大学,2007.
[43]郑兴明.论农村土地流转中农民利益补偿机制的构建[J].华中农业大学学报(社会科学版),2009(6):56-60.
[44]夏方舟,严金明.农村集体建设用地直接入市流转:作用、风险与建议[J].经济体制改革,2014(3):70-74.
[45]高圣平,刘守英.集体建设用地进入市场:现实与法律困境[J].管理世界,2007(3):62-72,88.
[46]杨继瑞,帅晓林.农村集体建设用地合理流转的支撑体系:权益分配抑或外部环境[J].改革,2009(12):73-78.
[47]黄少安,王安.对拾遗者定罪及其权利主张的法经济学分析[J].学术月刊,2010,42(11):78-84.
[48]惠献波.农户土地承包经营权抵押贷款潜在需求及其影响因素研究:基于河南省四个试点县的实证分析[J].农业经济问题,2013,34(2):9-15,110.
[49]邹新阳,王贵彬.农地金融制度构建的障碍分析[J].农业经济,2012(1):94-96.
[50]郭家虎,于爱芝.土地承包经营权抵押制度创新的约束条件及破解[J].财政研究,2010(5):57-60.
[51]刘二鹏,董继刚.农地金融制度研究综述[J].金融教育研究,2016,29(2):10-15.
[52]严金明,陈昊,夏方舟.深化农村“三块地”改革:问题、要义和取向[J].改革,2018(5):48-55.
[2]林乐芬,法宁.新型农业经营主体银行融资障碍因素实证分析:基于31个乡镇460家新型农业经营主体的调查[J].四川大学学报(哲学社会科学版),2015(6):119-128.
[3]林乐芬,金媛,王军.农村土地制度变迁的社会福利效应[M].北京:社会科学文献出版社,2015.
[4]杨涛.我国土地金融市场化问题研究[J].农村金融研究,2010(7):52-56.
[5]马敏,陈基伟.我国土地金融政策与实践梳理[J].科学发展,2017(4):47-54.
[6]丰雷,李莉,黄晓宇.土地金融对中国宏观经济的影响[J].中国土地科学,2010,24(12):3-9.
[7]杜方.中国农村土地金融制度研究[D].合肥:安徽农业大学,2008.
[8]徐程程.我国农地金融发展模式及运行机制研究[D].青岛:中国海洋大学,2013.
[9]LEVINE R.Financial Development and Economic Growth:Views and Agenda[J].Journal of Economic Literature,1997,35(2):688-726.
[10]JOHNSON R R,JENSEN G R.Federal Reserve monetary policy and real estate investment trust returns,Real Estate Finance[J].Real Estate Finance,1999(1):52-59.
[11]BRABEC E,SMITH C.Agricultural land fragmentation:the spatial effects of three land protection strategies in the eastern united states[J].Landsc Urban Plan,2002,58(2):255-268.
[12]SATURNINO BORRAS JR.Can Redistributive Reform be Achieved via Market-Based Voluntary Land Transfer Schemes?Evidence and Lessons from the Philippines[J].Journal of Development Studies,2005,41(1):90-134.
[13]HRESCHUK H.World experience in functioning of land management mechanism for the sustainable use of agricultural land[J].Balanced Nature Using,2017,6.
[14]STUART I.GREENBAUM,ANJAN V.THAKOR.Bank funding modes[J].Journal of Banking&Finance,1987,11(3):379-401.
[15]LARRY J.LOCKWOOD,RONALD C.RUTHERFORD,MARTINJ.HERRERA.Wealth effects of asset securitization[J].Journal of Banking & Finance,1996,20(1):151-164.
[16]SIMON WOLFE.Structural effects of assetbacked securitization[J].European Journal of Finance,2000,6(4):353-369.
[17]ARESTIS P,DEMETRIADES P O,LUINTEL K B.Financial Development and Economic Growth:The Role of Stock Markets[J].Journal of Money Credit & Banking,2001,33(1):16-41.
[18]STIROH K J.New Evidence on the Determinants of Bank Risk[J].Journal of Financial Services Research,2006,30(3):237-263.
[19]宋文献,罗剑朝.台湾农地金融制度及其对大陆的借鉴作用[J].洛阳师范学院学报,2003,22(4):37-40.
[20]尹云松.工业化进程中的台湾粮食生产政策[J].农业技术经济,1995(2):16-18.
[21]刘奇.农地抵押贷款的困境[J].中国金融,2014(5):19-21.
[22]董祚继.切莫曲解“三权分置”的惠农深意[N].中国国土资源报,2018-02-13(03).
[23]北京大学国家发展研究院综合课题组,周其仁.还权赋能:成都土地制度改革探索的调查研究[J].国际经济评论,2010(2):54-92,5.
[24]蒋省三,刘守英.土地资本化与农村工业化:广东省佛山市南海经济发展调查[J].管理世界,2003(11):87-97.
[25]吴福明.从民国江苏抵价券看农地金融工具的创新[J].金融博览,2013(3):32-33.
[26]罗剑朝,李林.不同市场结构中不对称信息对农信社贷款合同的影响[J].西安交通大学学报(社会科学版),2010,30(5):6-10,23.
[27]姜新旺.农地金融制度应该缓行:对构建我国农地金融制度的思考[J].农业经济问题,2007(6):11-14,110.
[28]傅巧灵,韩莉.金融中心城市金融后台服务产业发展的扩散效应分析[J].经济研究参考,2013(65):75-78,107.
[29]杜培华,欧名豪.农户土地流转行为影响因素的实证研究:以江苏省为例[J].国土资源科技管理,2008(1):53-56.
[30]王平,邱道持,李广东.基于农户意愿的农村土地抵押贷款需求探讨:以重庆市开县农户调查为例[J].中国农业资源与区划,2012,33(2):73-77.
[31]吴洁敏,乔宇.为何农民对农地金融不感兴趣:来自大连、绍兴两地的专项调查[J].中国土地,2010(4):41-44.
[32]姚德波.经济发达地区农村宅基地使用权市场化流转意愿及模式研究[D].南京:南京师范大学,2011.
[33]刘卫锋.基于农户融资需求视角的农村金融制度创新研究[J].经济纵横,2009(2):93-95.
[34]罗真.商业银行开展土地金融业务的战略思考[J].金融理论与实践,2006(10):38-39.
[35]张笑寒,张娟.农户贷款困境与农地金融制度的构建[J].江西财经大学学报,2005(6):20-23.
[36]黄洁.对开展“三块地”改革试点第三方评估的探讨[J].中国国土资源经济,2016,29(11):51-53.
[37]孔荣,CALUM TURVEY,罗剑朝.信任、利率与农村金融市场竞合关系:中国农村小额信贷市场的理论模型[J].农业技术经济,2007(5):4-9.
[38]孟丽萍.我国土地金融制度的建设与基本设想[J].农业经济,2001(2):9-11.
[39]崔慧霞.农村土地制度变革中的金融服务[J].南京财经大学学报,2004(3):21-24,97.
[40]田立,雷国平.我国农地金融体系研究的几点思考[J].商业研究,2007(5):134-137.
[41]林丽琼,张文棋.我国农业政策性金融制度创新思考[J].福建论坛(人文社会科学版),2005(1):14-19.
[42]唐双英.我国农地金融制度的构建与探索[D].重庆:西南大学,2007.
[43]郑兴明.论农村土地流转中农民利益补偿机制的构建[J].华中农业大学学报(社会科学版),2009(6):56-60.
[44]夏方舟,严金明.农村集体建设用地直接入市流转:作用、风险与建议[J].经济体制改革,2014(3):70-74.
[45]高圣平,刘守英.集体建设用地进入市场:现实与法律困境[J].管理世界,2007(3):62-72,88.
[46]杨继瑞,帅晓林.农村集体建设用地合理流转的支撑体系:权益分配抑或外部环境[J].改革,2009(12):73-78.
[47]黄少安,王安.对拾遗者定罪及其权利主张的法经济学分析[J].学术月刊,2010,42(11):78-84.
[48]惠献波.农户土地承包经营权抵押贷款潜在需求及其影响因素研究:基于河南省四个试点县的实证分析[J].农业经济问题,2013,34(2):9-15,110.
[49]邹新阳,王贵彬.农地金融制度构建的障碍分析[J].农业经济,2012(1):94-96.
[50]郭家虎,于爱芝.土地承包经营权抵押制度创新的约束条件及破解[J].财政研究,2010(5):57-60.
[51]刘二鹏,董继刚.农地金融制度研究综述[J].金融教育研究,2016,29(2):10-15.
[52]严金明,陈昊,夏方舟.深化农村“三块地”改革:问题、要义和取向[J].改革,2018(5):48-55.