Mr. Zheng, Governor of agricultural issue: the loan of land transfer right of farmers

"Do not always blame the financial institutions do not give farmers loans, farmers are difficult to borrow because of the lack of mortgage-related loans, land transfer rights can handle mortgage?"　　"March 8, at the 14 session of the CPPCC, the agricultural sector group meeting, the Governor of the Chinese Agricultural Development Bank, Mr. Zheng, asked himself," I think it is possible. " For example, he said, for example, John has 1000 acres of land, Zhang Three can not be transferred to others, "as long as a circulation, will produce transaction prices."　　Therefore, the transfer of the right as a mortgage to the bank loans, banks will also be assured credit.　　The right of land transfer refers to the farmers who own the land contract management right, transfer the land management rights to other farmers or economic organizations, but retain the contractual rights. In fact, in the 17 session of the Communist Party of China, the central government has proposed to allow farmers to plenary various forms of land contract management rights to expand effective security in rural areas.　　The policy came after a voice that meant that farmers ' land contracts and housing would be used as collateral in exchange for bank loans. Reporters also learned that at present, in some areas have begun to explore the land transfer Management license mortgage loans.　　such as Jiaxing, Shandong, Weifang and other areas, there are local financial institutions through the land transfer operation rights of mortgage loans.　　According to the Shandong Rural Credit Cooperatives web site, Shandong Laizhou Rural commercial banks step by step, as of the end of April 2010, the Bank of rural collective land transfer mortgage balance reached 28.35 million yuan, the cumulative issue of loans 21, the amount of 47.35 million yuan. A summary of the bank said that in order to solve the problem of insufficient farmers ' collateral, the bank seriously studied the "Security Law" and "property law" and other laws and regulations, found that the following two kinds of cases of collective land use rights can be mortgaged: first, in addition to the family-contracted wasteland and other rural land contract management rights to allow collateral; the second is to Township (town),　　Village enterprises, such as buildings as collateral, its occupation of the scope of land use right at the same time mortgage.　　The summary said that the implementation of the New deal is good, the bank's rural collective land circulation mortgage loan maturity rate of more than 98%.　　Mr. Zheng that after the reform of forest rights in China, forest can be used to mortgage loans, which is the innovation of rural financial work, is a good attempt. However, Mr. Zheng's proposed mortgage on land contract management has been in dispute since 2008, when the Communist Party of China Plenary 17.　　Some experts worry that such a model could lead farmers to risk losing ground in the future.　　Chen, deputy director of the Office of the Central Financial leadership group, has repeatedly emphasized that the land contract right and homestead mortgage should be cautious. Chen said that with the land contract right, homestead and peasant property as mortgage loan is not an effective way to solve the loan risk, the land contract right, homestead and real Estate are the last survival basis of farmers, under no circumstances, can not take the peasant land contract right, homestead and real estate, otherwise will cause the peasant displacement, affect the social stability.　　Farmers must avoid "lost land, unemployment, loss of housing" situation. In today's statement, Mr. Zheng did not have anyRisk.