中文摘要：

在当前农村经济与法律环境下，两类创新抵押贷款的供给意愿都比较低，相比之下信贷员更愿意发放农村住房抵押贷款；信贷员接受创新抵押品可降低其对借款人的限制和要求，从而提高农村金融机构贷款的广度和深度：影响信贷员供给意愿最重要的外部因素是抵押品收回难度。从贷款供给视角看，推动创新抵押贷款的发展，应加快确权工作，改善抵押品流转和交易市场，将农村土地承包经营权和农村住房抵押贷款合法化。

英文摘要：

In the current rural economic and legal environment, two kinds of innovative mortgage willingness to supply are relatively low. Comparatively loan officers are more willing to provide the rural housing mortgage loans. Loan officers who accept the innovation products could reduce the borrowers＇ restrictions and requirements so as to improve the breadth and depth of loans of financial institutions in rural areas. The most important external factor influencing the supply willingness of loan officers is the difficulty of collateral recovery. From the prospect of credit supply, promoting the development of innovative mortgage should speed up the work of confirming the rights, improve the collateral circulation and the trading market, and make the contracted management right of rural land and the rural housing mortgage loans be legal.