土地储备融资是指城市土地储备制度运作过程中土地储备机构的资金融通行为。资金融通能否安全顺畅不仅关系到土地储备自身的健康运转,也关系到金融市场的整体稳定。当前,随着中央《关于加强土地储备与融资管理的通知》等一系列政策措施的落地实施,受部分地区土地市场回落且呈蔓延趋势以及地方政府性债务整体增速偏快等因素影响,土地储备融资面临的条件、形势正发生着深刻变化。对银行而言,新形势下探究如何有效识别、规避、化解土地储备融 Land reserve financing refers to the financing of land reserve institutions during the operation of urban land reserve system. Whether the financial intermediation can be safe and smooth is not only related to the healthy operation of the land bank itself, but also to the overall stability of the financial market. At present, with the implementation of a series of policies and measures implemented by the Central Government, such as the Notice on Strengthening the Management of Land Reserves and Financing, affected by the fact that the land market in some areas has been declining and spreading and the overall growth rate of local government debts has accelerated, the land The conditions for the reserve financing are undergoing profound changes. For banks, the new situation explores how to effectively identify, circumvent, dissolve land bank financing