要遵(zun)循現代金融規(gui)(gui)律(lv)、市(shi)(shi)場運(yun)行規(gui)(gui)律(lv)和(he)鄉村(cun)發展(zhan)規(gui)(gui)律(lv)，堅持(chi)“信(xin)用(yong)貸(dai)(dai)(dai)款(kuan)與(yu)抵押(ya)貸(dai)(dai)(dai)款(kuan)”兩手并用(yong)，堅持(chi)“政府引導、群眾主體、市(shi)(shi)場運(yun)作(zuo)、依法合(he)規(gui)(gui)”四項原則，在全省大力開(kai)展(zhan)農(nong)(nong)民個人(ren)和(he)農(nong)(nong)村(cun)資(zi)產信(xin)用(yong)貸(dai)(dai)(dai)款(kuan)改革試點的同時(shi)，大力推進農(nong)(nong)村(cun)資(zi)產權益抵（質）押(ya)貸(dai)(dai)(dai)款(kuan)改革試點，促進更(geng)多金融資(zi)源進入(ru)廣大鄉村(cun)、服務農(nong)(nong)民群眾，為農(nong)(nong)業(ye)現代化(hua)和(he)鄉村(cun)全面(mian)振興(xing)提供更(geng)加有力有效的支撐。

開(kai)(kai)(kai)展(zhan)(zhan)(zhan)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)權(quan)益(yi)抵(di)(di)（質）押(ya)(ya)(ya)貸(dai)(dai)款(kuan)改革試點，要(yao)(yao)堅(jian)(jian)持(chi)問題導(dao)向，圍(wei)繞(rao)破(po)解農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)權(quan)益(yi)“確(que)(que)(que)權(quan)、估(gu)值(zhi)、處(chu)(chu)置”等難點堵(du)點問題，加(jia)快構(gou)(gou)建(jian)“確(que)(que)(que)權(quan)頒(ban)證、價(jia)值(zhi)評(ping)估(gu)、抵(di)(di)押(ya)(ya)(ya)登(deng)記、交易(yi)流(liu)轉、風(feng)險(xian)處(chu)(chu)置”全(quan)鏈條服務(wu)(wu)(wu)體(ti)(ti)系(xi)，有(you)效(xiao)引(yin)導(dao)金(jin)融(rong)(rong)機(ji)(ji)(ji)構(gou)(gou)為“三農(nong)(nong)(nong)(nong)(nong)(nong)”領域(yu)注入更(geng)多金(jin)融(rong)(rong)活水。一要(yao)(yao)依法(fa)明(ming)確(que)(que)(que)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)權(quan)益(yi)適用(yong)范(fan)(fan)(fan)圍(wei)，分(fen)類梳理(li)(li)農(nong)(nong)(nong)(nong)(nong)(nong)民個人(ren)及農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)生產(chan)(chan)(chan)經營(ying)(ying)組(zu)(zu)(zu)織(zhi)所取得(de)的(de)(de)不動(dong)產(chan)(chan)(chan)、動(dong)產(chan)(chan)(chan)及其他涉(she)農(nong)(nong)(nong)(nong)(nong)(nong)權(quan)利，合(he)(he)理(li)(li)確(que)(que)(que)定(ding)有(you)效(xiao)抵(di)(di)（質）押(ya)(ya)(ya)物(wu)范(fan)(fan)(fan)圍(wei)，更(geng)好盤活農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)資(zi)(zi)(zi)(zi)(zi)源要(yao)(yao)素(su)；二要(yao)(yao)規(gui)范(fan)(fan)(fan)開(kai)(kai)(kai)展(zhan)(zhan)(zhan)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)權(quan)益(yi)權(quan)屬確(que)(que)(que)認，堅(jian)(jian)持(chi)“物(wu)權(quan)法(fa)定(ding)、自愿申請、據(ju)實(shi)(shi)登(deng)記”原則(ze)，分(fen)類構(gou)(gou)建(jian)規(gui)范(fan)(fan)(fan)統(tong)一的(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)權(quan)益(yi)審核、登(deng)記體(ti)(ti)系(xi)，努力(li)做到(dao)能確(que)(que)(que)盡確(que)(que)(que)、應登(deng)盡登(deng)；三要(yao)(yao)科學(xue)開(kai)(kai)(kai)展(zhan)(zhan)(zhan)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)權(quan)益(yi)價(jia)值(zhi)評(ping)估(gu)，分(fen)類制(zhi)定(ding)科學(xue)合(he)(he)理(li)(li)的(de)(de)評(ping)估(gu)標準，建(jian)立全(quan)省統(tong)一的(de)(de)評(ping)估(gu)規(gui)范(fan)(fan)(fan)，依托武漢(han)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)綜合(he)(he)產(chan)(chan)(chan)權(quan)交易(yi)所，完善市(shi)場(chang)(chang)定(ding)價(jia)機(ji)(ji)(ji)制(zhi)，形成動(dong)態更(geng)新(xin)、公允合(he)(he)理(li)(li)的(de)(de)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)估(gu)值(zhi)；四要(yao)(yao)分(fen)類完善農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)權(quan)益(yi)抵(di)(di)（質）押(ya)(ya)(ya)登(deng)記，結(jie)合(he)(he)湖北(bei)實(shi)(shi)際，構(gou)(gou)建(jian)規(gui)范(fan)(fan)(fan)的(de)(de)不動(dong)產(chan)(chan)(chan)、動(dong)產(chan)(chan)(chan)及其他涉(she)農(nong)(nong)(nong)(nong)(nong)(nong)權(quan)利抵(di)(di)（質）押(ya)(ya)(ya)登(deng)記體(ti)(ti)系(xi)，確(que)(que)(que)保(bao)抵(di)(di)（質）押(ya)(ya)(ya)登(deng)記、變更(geng)、轉移和(he)注銷全(quan)流(liu)程有(you)章可循，確(que)(que)(que)保(bao)抵(di)(di)（質）押(ya)(ya)(ya)關(guan)系(xi)真實(shi)(shi)有(you)效(xiao)；五要(yao)(yao)著力(li)拓展(zhan)(zhan)(zhan)抵(di)(di)（質）押(ya)(ya)(ya)物(wu)處(chu)(chu)置渠道，發揮武漢(han)農(nong)(nong)(nong)(nong)(nong)(nong)交所平臺功能，強化(hua)(hua)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)集體(ti)(ti)經濟組(zu)(zu)(zu)織(zhi)收購(gou)抵(di)(di)（質）押(ya)(ya)(ya)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)權(quan)益(yi)，鼓(gu)勵專業(ye)化(hua)(hua)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)權(quan)益(yi)經營(ying)(ying)機(ji)(ji)(ji)構(gou)(gou)開(kai)(kai)(kai)展(zhan)(zhan)(zhan)市(shi)場(chang)(chang)化(hua)(hua)收購(gou)儲備，綜合(he)(he)運用(yong)掛牌交易(yi)、變價(jia)出售和(he)協議收儲等方(fang)式(shi)，有(you)效(xiao)實(shi)(shi)現抵(di)(di)（質）押(ya)(ya)(ya)物(wu)的(de)(de)市(shi)場(chang)(chang)化(hua)(hua)處(chu)(chu)置；六(liu)要(yao)(yao)積極推動(dong)金(jin)融(rong)(rong)產(chan)(chan)(chan)品和(he)服務(wu)(wu)(wu)創新(xin)，引(yin)導(dao)金(jin)融(rong)(rong)機(ji)(ji)(ji)構(gou)(gou)科學(xue)合(he)(he)理(li)(li)確(que)(que)(que)定(ding)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)權(quan)益(yi)抵(di)(di)（質）押(ya)(ya)(ya)貸(dai)(dai)款(kuan)的(de)(de)額度、期限和(he)利率(lv)，為農(nong)(nong)(nong)(nong)(nong)(nong)民個人(ren)和(he)農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)生產(chan)(chan)(chan)經營(ying)(ying)組(zu)(zu)(zu)織(zhi)提供“低(di)利率(lv)、寬信用(yong)、便(bian)利化(hua)(hua)”的(de)(de)農(nong)(nong)(nong)(nong)(nong)(nong)村(cun)(cun)(cun)(cun)金(jin)融(rong)(rong)信貸(dai)(dai)服務(wu)(wu)(wu)；七(qi)要(yao)(yao)切實(shi)(shi)守牢風(feng)險(xian)防控底線，完善政銀擔風(feng)險(xian)分(fen)擔機(ji)(ji)(ji)制(zhi)，通過提供貸(dai)(dai)款(kuan)貼息、補貼部(bu)分(fen)領域(yu)農(nong)(nong)(nong)(nong)(nong)(nong)業(ye)保(bao)險(xian)費用(yong)和(he)支持(chi)相關(guan)機(ji)(ji)(ji)構(gou)(gou)開(kai)(kai)(kai)展(zhan)(zhan)(zhan)風(feng)險(xian)資(zi)(zi)(zi)(zi)(zi)產(chan)(chan)(chan)收儲等方(fang)式(shi)，切實(shi)(shi)讓金(jin)融(rong)(rong)機(ji)(ji)(ji)構(gou)(gou)敢貸(dai)(dai)、愿貸(dai)(dai)、能貸(dai)(dai)。

全省各相(xiang)關部門和試點(dian)地區與單位要(yao)(yao)加(jia)強工作統(tong)籌和協同聯動，及(ji)時研究解(jie)決(jue)改革推進中的(de)困(kun)難問題，務求形成工作合力；要(yao)(yao)堅持試點(dian)先行，及(ji)時總結經驗，動態調整(zheng)優化，積極穩妥推動農村資產權益抵（質）押(ya)貸款改革試點(dian)落地見效。