On the Credit Collateral in Rural Financial System:Predicament and Outlet
指出农村金融中抵押品范围过窄，农民主要不动产（房屋、宅基地、土地经营权）不能抵押，建议随政策灵活化扩大抵押范围并修改立法。
The credit collateral in rural finance is limited in a narrow scope under the principle of numerus clauses.The building,the right of house site and land management right,which constitute the main real estates of a peasant,cannot be taken as collateral Therefore,the authors suggest that as the policy becomes more and more flexible,these real estates and rights should be mortgaged.Accordingly,the current legislative method should be amended,and the scope of the rural collateral should be expanded.