In order to broaden the scope of collateral, activate the "sleeping capital" in rural areas, and promote the pilot work of mortgage loans for contracted land management rights and farmers' housing property rights.

Some banks develop characteristic loan products by mortgage of land management rights, such as the "citrus characteristic loan" supported by Shimen Rural Commercial Bank to develop agricultural characteristic industries. This has revitalized the stock assets in rural areas and provided more financing opportunities for farmers and enterprises. In deepening the pilot project of rural collective construction land entering the market, Chongqing Three Gorges Bank successfully issued a loan of 5 million yuan to Chongqing Rongrong Agricultural Development Co., Ltd. with the right to use rural collective construction land as collateral. This is the first mortgage loan for the right to use rural collective construction land since the pilot project of rural collective construction land entering the market, which provides a new way for the active utilization of rural collective construction land. Generally speaking, banks hope that land management rights can promote the prosperity and development of rural financial markets and promote the deep integration of rural economy and finance.