"Three rights" mortgage loan means that farmers apply for loans from banks with rural land contractual management rights, rural residents' housing rights and forest rights as collateral, and may not change the nature of land ownership or land use. The development of rural "three rights" mortgage loans is of great significance for promoting the reform of rural collective property rights system, revitalizing rural resources, solving rural financing bottlenecks, promoting agricultural and rural development and increasing farmers' income. \x0d\ (1) Set up a loan fund to avoid loan risks \ x0d \ x0d \ First, we should mobilize the enthusiasm of financial institutions to make them "not afraid of lending", "want to lend" and "actively lend". Efforts should be made to communicate with the government, and it is hoped that the "rural credit risk compensation fund" will be funded by the government. The government promises to set up a compensation fund according to a certain proportion of the loan principal, and give a certain proportion of government compensation when bad debts occur to share the bank credit risk. That is, after the farmer's loan loss is confirmed, the bank and the compensation fund share the loss in proportion. According to the actual situation of our city, we can also introduce guarantee or insurance institutions to build the risk burden of "compensation fund+bank+guarantee (insurance)" to further spread the credit risk. Let financial institutions let go of the ideological burden of "being afraid of wolves before and being afraid of tigers later" and change from "being afraid of loans" to "actively lending", thus truly alleviating the financing difficulties of rural industries. \x0d\\x0d\ (II) Establish an effective land evaluation institution and a right confirmation management institution \x0d\\x0d\ It is suggested that the government departments should take the lead in setting up "Agricultural Investment and Development Co., Ltd." to provide evaluation services for rural "three rights" mortgage financing, simplify links and procedures, and conduct rapid and authoritative evaluation of rural land. Under the unified leadership of the Municipal Party Committee and the Municipal Government, a leading group for rural "three rights" mortgage loans composed of banking, finance, agricultural office, housing management, land, planning, courts and other departments was established, and specific operation methods and procedures were formulated, and it was clear that the real estate and land departments were responsible for the registration of real estate and land ownership and mortgage registration. \x0d\\x0d\ (III) Increase the construction of this kind of property right transfer market \x0d\\x0d\ Towns set up land transfer centers to ensure the transfer of property rights within the region, and be responsible for the land contract confirmation and pledge registration. After the written commitment of rural housing mortgage and circulation, and after the registration of real estate mortgage, when the debtor is really unable to repay the debt, the real estate used for mortgage can be transferred and realized within a certain range of this city, thus promoting the bank to implement rural "three rights" mortgage loans. With the introduction of a series of measures, it will promote the market-oriented circulation of rural groups' land, real estate and contracted land management rights, so that such property rights can be traded normally within the jurisdiction of this municipality and revitalize such sleeping assets in rural areas. \x0d\\x0d\ (4) Intensify propaganda to eliminate worries \x0d\\x0d\ In view of the idea that most farmers are "afraid of loans", it is suggested to continuously increase policy propaganda, especially the propaganda of preferential policies for "three rights" mortgage loans, and popularize the rural land and housing property rights reform system. We can carry out the "three rights" mortgage policy and the "going to the village and entering the countryside" activities, and strive to make the policy clear and clear, so that farmers can borrow and use it with confidence. \ x0d \ x0d \ In short, the "three rights" mortgage loan is a project that benefits the country and the people. It has positive significance in driving farmers to increase their income and become rich, promoting the development of modern and efficient agriculture, promoting the construction of new countryside, accelerating the process of urban-rural integration, promoting the construction of a well-off society, maintaining financial order, and promoting the harmony and stability of rural society.