今年“两会”期间,有提案呼吁尽快出台与《物权法》配套的规定和司法解释。事实上,《物权法》中许多悬而未决问题的存在,严重不利于包括农村金融机构在内的广大担保债权人的权益保护。从金融机构角度看,接受农村土地经营权、林权及房屋产权等作为抵押物,面临很多困难。其一就是法律风险。《物权法》、《农村土地承包法》和《担保法》都明确规定集体所有的耕地使用权不能用来担保抵押,只有通过招标、拍卖、公开协商等方式承包的荒地等可以抵押。耕地与荒地(包括林地)的区分,主要是考虑了耕地的社会保障功能,才做出了不同的法律规定。从立法意愿角度看,规定“耕地、宅 This year ”two sessions “ period, a proposal calls for the promulgation of the ”Property Law“ supporting the provisions and judicial interpretation as soon as possible. In fact, the existence of many outstanding issues in the Property Law is seriously detrimental to the protection of the rights and interests of the majority of secured creditors, including rural financial institutions. From the financial institutions point of view, to accept the rural land management rights, forest rights and property rights as collateral, facing many difficulties. One is legal risk. The Real Right Law, Rural Land Contract Law and Guarantee Law all stipulate that the collective-owned land use rights can not be used to guarantee mortgages. Only the wasteland contracted through bidding, auction, public consultation and so on can be mortgaged. The distinction between arable land and waste land (including woodland) mainly takes into account the social security function of cultivated land and makes different legal provisions. From the perspective of legislative intention, the provisions of ”arable land, house