中文摘要：

发展以土地抵押为特征的农地金融业务．对解决我国喀斯特石漠化地区农业资金投入不足的问题有着重要现实意义。分析了我国石漠化地区发展农地金融业务存在的问题，并提出了相应的对策。

英文摘要：

The construction of financial business for agricultural land ,which is characteristic in agricultural land mortgages, has a great significance to solve the problem of insufficient agriculture capital investment in the rocky-desertified area in China. The existing problems of constructing the financial business for agricultural land in China＇s rocky-desertified area were analyzed, and then the corresponding countermeasures were put forward.