新华社广州８月１４日电（记者 王凯蕾）“广东将在有条件的县试点农村宅基地使用权和土地承包经营权抵押工作。目前，相关部门正在做方案，将尽快让农村集体资产运转起来，实现‘由虚变实’的突破。”广东省人民政府金融工作办公室主任周高雄说。

    Xinhua guangzhou on August 14 dec（Reporter WangKaiLei）“Guangdong will be in conditional county pilot countryside homestead right of use and the right to the contracted management of land mortgage work。At present，Relevant departments are doing scheme，As soon as possible will make rural collective assets running，realize‘The virtual variable real’breakthrough。”Guangdong provincial people's government financial work office director weeks geohiong (kaohsiung) said。

    １４日，广东梅州举行全省农村金融工作现场会。本次会议是在７月２５日，广东对外公布《广东省建设珠江三角洲金融改革创新综合试验区总体方案》提出要加快推进梅州市农村金融改革创新综合试验，构建具有广东特色、服务“三农”的现代农村金融服务体系的背景下召开的。

    14，Meizhou of guangdong province held rural financial work on the spot meeting。The meeting is on July 25,，Guangdong announced《The construction of guangdong province in the pearl river delta financial reform and innovation comprehensive test site overall scheme》Offered to accelerating meizhou city rural financial reform and innovation comprehensive test，Constructing characteristic of guangdong、service“Agriculture, countryside and farmers”Modern rural financial service system under the background of a。

    广东省委副书记、省长朱小丹说，长期以来，广东金融服务最薄弱的环节就是农村金融服务。虽然当前取得重要突破，但整体水平依然薄弱。下一阶段，广东将从六个方面提高农村金融服务水平：一是增加农村信贷投入，为“三农”发展提供资金保障；二是拓宽资本市场支农渠道，助推农业产业化发展；三是发展惠农保险；四是依靠多元投资主体，建立健全农村金融服务体系；五是深化重点领域改革，增强农村金融发展动力和活力；六是优化金融生态环境，助推农村金融协调健康可持续发展。

    Guangdong is vice secretary of provincial party committee、Governor ZhuXiaoDan said，long，Guangdong financial services the weakest link is the rural financial service。Although the current made significant breakthrough，But the overall level is still weak。The next phase，Guangdong from six aspects will improve the rural financial service level：One is to increase the rural credit investment，for“Agriculture, countryside and farmers”Development provide funding；Second, expanding the capital market channels of support，Boost the development of the agricultural industrialization；Three is the development of insurance benefit；Four depend on multiple investment main body，Establish and improve the rural financial service system；Five is to deepen reform of the key fields，Strengthen the rural financial development power and the vigor；Six is to optimize the financial ecological environment，Boosting rural financial coordination healthy sustainable development。

    针对《方案》中备受关注的推进农村宅基地使用权和土地承包经营权抵押贷款试点工作的情况，周高雄介绍说，广东正在国家明确试点范围、条件及抵押登记、期限和抵押权实现等具体政策的基础上制定执行方案，但面临如何把农村集体资产“由虚变实”的难题。

    According to《scheme》In the advancement of much attention has been paid to the countryside homestead right of use and the right to the contracted management of land mortgage loan pilot work situation，Weeks geohiong (kaohsiung) said，Guangdong is state clearly the scope、Conditions and mortgage registration、Time and realize the specific policy basis to develop the implementation of the solution，But faced with how to rural collective assets“The virtual variable real”problem。

    对此，广东金融学院院长陆磊解释说，我国农村土地所有权归集体所有，农民拥有的是土地的使用权。按照《方案》的要求，今后当农民需要融资的时候，可以把自己宅基地的使用权或土地承包经营权拿出来抵押以换取贷款。“这里面就涉及如何量化集体土地所有权的问题，如果解决得好，将使农村集体资产充分运转起来，盘活农村金融要素市场。”陆磊说。

    this，Guangdong financial dean of college LiuLei explained，Rural land ownership to collective all，Farmers have the right to use land。According to the《scheme》requirements，In the future when the farmers need when financing，Can their housing land use right to the contracted management of land or take out in exchange for mortgage loans。“There are how to quantify collective land ownership problems，If it will be resolved satisfactorily，Will make rural collective assets fully running，Revitalize the rural financial factor market。”LiuLei said。