Mortgage loan of rural land contractual management right is a rural financial service after "two rights mortgage". Mainly rural land management rights and rural homestead real estate mortgage loans. Although it has been put forward for more than two years, the progress is slow, mainly because some experts and leaders hold different attitudes towards "two-right mortgage", and the current pilot work is only carried out in a few cities.

The pilot project of rural land mortgage loan has also solved the financial problems in agriculture and rural areas to a certain extent, and made some idle land have market prices. However, the disadvantage is that the value of rural land is different, and it is difficult to accurately grasp mortgage loans. The risk is relatively high.

In addition to the pilot projects carried out by local government units, many financial institutions and rural service platforms have also cut into the "two rights" one after another, including farm houses and soil borrowing services on farmland, all of which have begun to take shape, but these are still fully preparing for the "two rights". Generally speaking, rural land mortgage loans will be standardized and large-scale, which also needs the strong support of policies. Pilot and market financial institutions will continue to take the lead in cutting cakes here, but the progress will not be very fast, which will not help the financial practice of rural agriculture much.