An Analysis of Rural Land Mortgage Financing Model in Western China—Based on the Study of Two Typical Mortgage Pilot in Ningxia

At present, in the western region is to develop agricultural land mortgage pilot work. How to perfect the existing mortgage financing model to solve the problem of financing difficulty become crucial. This article selected two typical cases of Ningxia, and analyzed their difference from the change pattern of system, mortgage way, risk prevention mechanism, financing object and loan amount. From the comparative analysis of the existing models, the existing land mortgage legal system, the registration of rural land confirmation and the risk prevention mechanism are found to be not comprehensive. Finally, it summarizes some Suggestions to improve the rural land mortgage financing model in the western region to promote rural economic development.