Stick to the conditions and don't encourage the seedlings.

The pilot project of "two rights" mortgage loans has attracted the attention of both urban and rural communities, and all localities have a high desire for reform. However, the complex legal issues and potential risk pressure of rural land system reform determine the strict conditions for the selection of pilot projects. It is impossible to create conditions even if there are no conditions.

According to the guidance, the pilot areas should meet at least three conditions: high registration and issuance rate of rural land contractual management rights, homestead use rights and confirmed rights of farmers' housing ownership, sound rural property rights transfer transaction market, and open and standardized transaction behavior. have a good foundation and supporting conditions; farmers have a strong willingness to transfer land, good momentum of appropriate scale operation of agriculture, and have economies of scale The credit environment in rural areas is good and the supporting policies are relatively sound.

In areas with these three basic conditions, a lot of work can be done naturally. The turnover rate of contracted land in rural areas is high, and farmers' living and social security are less dependent on contracted land; the vacant and idle rate of rural homestead is also relatively high, and many rural residents have better participated in urbanization. In case of default, financial institutions dispose of the collateral, which is not easy to cause social risks. The rural credit environment in these areas is good, and people's credit level is very important to prevent financial risks.

According to the guidance, the pilot project of "two rights" mortgage loans will be carried out in the administrative areas of counties, cities and districts as far as possible in the pilot areas of rural reform, modern agricultural demonstration areas and the reform of the homestead system. In this way, the area is not too large and will not bloom everywhere, which is more conducive to closed operation and risk prevention and control.