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本文基于中央1号文件的相关内容和对现行抵押替代模式利弊的分析得出我们不仅要在监管有效性上来发挥抵押替代的功能,而且需要从金融机构惩罚力度与农户积极性相结合的层面上来更加有效的发挥抵押替代的作用,只有通过综合利用现有的抵押替代模式与所提出的四种新的抵押替代模式,才能使监管有效性,惩罚力度、生产积极性达到完美结合,从而有利于家庭农场的健康发展。
Based on the relevant contents of Central Document No. 1 and the analysis of the pros and cons of the current alternative mortgage model, this paper draws a conclusion that we should not only play the function of mortgage substitution in the regulation effectiveness but also need to combine the penalty of financial institutions with the enthusiasm of farmers Effectively play the role of mortgage replacement, only through the integrated use of existing mortgage replacement model and the proposed four new alternative mortgage models in order to make the regulatory effectiveness, punishment and enthusiasm for the production of the perfect combination, which is conducive to family farms The healthy development.