中文摘要：

运用法经济学的分析范式,从产权的视角出发,剖析了我国现行农地产权制度结构,并对现行法律制度中关于农村担保融资范围的规定进行了归纳。通过对湖北、浙江、四川三省有关试点地区农村信贷担保的抵、质押问题的实证研究,得出我国农村担保融资制度的创新策略：优化农地产权权能,修改和完善相关法律制度,放宽现行法律中关于农村抵押担保物的范围,同时加快土地产权市场的建立、提高农村金融机构的创新动力等。

英文摘要：

Using economics analysis method, this paper illuminates, from the perspective of property rights, the profound analysis of China＇s current farmland property right system structure,and the existing legal system about rural guarantee financing scope are summarized. Through collateral collateral empirical study on Hubei,Zhejiang, Sichuan provinces about the pilot area of rural credit. The conclusion is that the innovation of rural guarantee financing system in China should be：optimizing farmland property power, revising and perfecting relevant legal systems, relaxing the current laws concerning rural collateral range, while speeding up the land property rights market building,and improving rural financial institution innovation.