我国特殊的国情和农村经济生产力及生产关系的特点决定了农民经济上和社会
上的弱势，农户分化和地区经济不平衡加深了农村金融支持服务的复杂性。本文从
对农村经济分析的出发，基于相关理论对农户行为模式进行了分析，对我国农村经
济和农村金融的相互关系进行了论述，认为解决我国农村金融问题应该跳出农村金
融的范围，从农村经济与农村金融相互关系、城乡关系等角度综合解决。本文对浮
动抵押进行了法理和历史探源，通过对比其他抵押方式，认为浮动抵押适合我国农
村生产经营融资中的抵押设定，对农户融资浮动抵押的具体实施进行了论述，在主
客体设定、登记、结晶、抵押权实现等具体环节进行了详细论述，并对农户浮动抵
押制度的完善提出了改进建议。最后将农村金融和农村经济发展放在历史的全局角
度考察，对农村金融体系的改善进行了分析并提出了一些建议。
浮动抵押的不足可以通过对抵押人自由处分权进行一定的限制、赋予抵押权人
监督权、引入接管人等予以弥补，我国农户浮动抵押的广泛运用需要农业保险的配
套。并且认为，改变城乡二元结构、培育充分竞争的农村金融中介、限制政府管理
权力是改善农村金融体系和发展农村经济的根本途径。
关键词： 农村经济 农村金融 浮动抵押 抵押权
Abstract
Farmers' income and agricultural industrialization is the key issue of China's rural
economy, rural economies of scale and process of agricultural industrialization in need of
funding support, under the existing institutional arrangements the farmers, especially
low-income farmers, their financing needs are not met. Conventional mortgage is not
applied in rural finance, financing poor then rural economy is difficult to get out the
historical cycle of simple reproduction of the peasant economy. Researching and
straighten out the problem of farmers’ financing has significant importance for rural
economic development and social progress.
China's special situation and rural economic productivity and production relations
determine the characteristics of China's farmers economically and socially disadvantaged
position, farmers’ differentiation and regional economic imbalances deepened the
complexity of the rural financial support services. Starting from the analysis of the rural
economy, studying farmers behavior patterns based on the theory analysis, the relationship
between China's rural economy and rural financial discusses that address China's rural
financial problems should jump out of the scope of the rural finance from the rural
economy, from a comprehensive perspectives of urban-rural relations and.
interrelationship of rural economic and finance. By tracing Legal and Historical
Information on the floating charge, compare it to other means of mortgage, that the
floating charge answers for mortgage set in the financing of rural production and
management. And discussed specific implementation of the floating charge for farmers
financing, issues concerning the subject and object setting, registration, the crystallization
of the mortgagee to achieve specific aspects are discussed in detail, and farmers floating
mortgage perfection recommendations for improvement are also proposed. Finally,
investigated rural finance and rural economic development in the history of the overall
perspective, analysis the improvement of the rural financial system, and put forward some
proposals that change the urban-rural dual structure.
The defects of floating charge can be avoided by exerting some restriction on
III
mortgager’s disposition, giving mortgagee power of supervision and introducing
administrative receiver system. Concluding to foster a fully competitive rural financial
intermediation, limiting the powers of government are fundamental ways to improve the
rural financial system and develop the rural economy.
Key words: Rural economy Rural finance Mortgage
Floating charge
目 录
摘 要........... I
Abstract ......... II
1 引言
1.1 研究的背景、目的及意义 .... (1)
1.2 研究内容 ....... (3)
1.3 研究方法 ....... (3)
2 国内外农村金融的研究概述
2.1 相关基础理论 ........... (5)
2.2 国外农村金融的研究概述 .... (6)
2.3 国内农村金融的研究概述 .... (8)
2.4 本章小结 ....... (9)
3 我国农村金融的现状
3.1 我国农村金融的特征.......... (10)
3.2 我国农村金融的历史演进 .. (12)
3.3 我国农村金融的现状.......... (13)
3.4 我国农村金融现用的主要方法 ...... (16)
3.5 本章小结 ..... (18)
4 农村生产经营浮动抵押的分析
4.1 浮动抵押概述 ......... (19)
4.2 浮动抵押用于农业生产经营的优劣分析... (20)
4.3 农户浮动抵押实施和改进建议 ...... (24)
V
4.4 本章小结 ..... (30)
5 对我国农村金融体系改进的建议
5.1 改变城乡二元结构.. (31)
5.2 培养金融中介合理竞争市场格局 .. (31)
5.3 政府适当引导，减少创新成本 ...... (32)
5.4 本章小结 ..... (32)
结 论......(33)
致 谢......(34)
参考文献..(35)
附录一 一些浮动抵押的应用... (39)
附录二 苏格兰法律中管理接管人的权利.......(40)
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