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中文摘要：
从农户经济利益视角出发,在分析农村土地产量和贷款资金时间价值的基础上,运用经济理论和数学模型对农村土地承包权抵押贷款期限、贷款时间进行推理分析。结果表明：贷款利率、经营成本等因素对农村土地承包权抵押贷款期限有显著影响。最后,提出加大对农业产业项目的支持力度,延长农村土地抵押贷款期限等政策建议。
英文摘要：
Based on the rural land yield and loan fund time value,an statistical analysis was conducted on the optimal loan period of farmers＇ land contracted right mortgage loan by using the mathematical analysis model.The results showed that loan interest rate and operating cost have great influence on the period of farmers＇ land contracted right mortgage loan.Finally,the author put forward some proposals,such as increasing support for agriculture industry projects,extending the period of farmers＇ land contracted right mortgage loan,etc.
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