本文以重庆江津区及江苏新沂市为典型地区,分析了流转型土地经营权抵押贷款的运行机制及其改良方案。研究表明,土地租金年付制导致流转型土地经营权抵押贷款面临着土地经营权不稳定性的矛盾。与此同时,由于土地股份制不仅生成成本高,而且运行成本也不低,致使基于土地股份制的农地抵押贷款难以在实践中推行。为此,本文提出引入土地银行制度,充分发挥银行“散存整贷”、“短存长贷”的功能,在促进土地流转的同时增强流转型土地经营权的稳定性,为农地抵押贷款创造有利条件。 This paper takes Jiangjin District of Chongqing and Xinyi City of Jiangsu Province as typical areas and analyzes the operating mechanism and the improvement scheme of the mortgage-backed operation of land-based land management. The research shows that the annual rent payment system leads to the contradiction of the instability of the land management rights caused by the mortgage loan of the land-based management of land-based operation. At the same time, due to the land joint-stock system is not only high cost of production, but also low operating costs, resulting in land-based joint-stock farmland mortgage loans difficult to implement in practice. Therefore, this paper proposes that the introduction of land bank system, give full play to the bank “scattered deposit ”, “short deposit and long loan ” function, while promoting the land transfer, while enhancing the stability of the transfer of land management rights for Farmland mortgage loans to create favorable conditions.