农地经营权抵押贷款在发放前重要的一环就是合理评估农地经营权价值。在开展农地经营权抵押贷款时，需要科学、合理地对农地经营权抵押价值进行评估，银行机构以评估的农地经营权价值为参考，在规避风险的抵押率下确定贷款的发放额度和进行风险控制。但是，目前各试点地区的农地经营权价值评估还没有统一的标准，主要由银行和借款人进行协商和采用“一刀切”的评估方式，存在着粗犷性和随意性，使得贷款额度的确定不够科学。因此，需要对农地经营权抵押贷款额度评估进行研究，更好的利用资源，使借贷双方获得最大效益。 本文首先进行理论分析，对作为抵押物的农地经营权实际价值和现阶段农地经营权的可处置性进行分析，以及对现实中模糊定价下的抵押贷款的运行模式进行分析，为后面章节的对比和实证提供理论基础。其次来介绍三个试点地区农地经营权抵押贷款额度评估的实践做法，并对比三个试点地区农地经营权抵押贷款额度决定因素的不同之处。实践中，农地抵押贷款额度是由农地经营权价值和抵押率相乘确定，而农地经营权价值由农地使用权租金和农地种植作物带来的预期收益决定，接下来分别从农地使用权租金，农地经营带来的预期收益和农地贷款的抵押率角度出发，来完善农地经营权抵押贷款额度评估。 通过对比分析抵押物评估的标准，得到在农地使用权租金方面，要对自有的农地经营权和流转取得的农地经营权进行区分对待，通过流转取得的农地因为租金是一年一交，所以对于流转的抵押农地，预期收益评估时要扣减流转租金；关于农地经营权的预期收益，农地作物的价格按照市场平均价或者国家最后收购价不存在差异性，但需要考虑农地的分级，农地的等级会影响到农地种植作物的产量，农地的规模会产生规模经济，进而对农地预期收益产生影响，所以，使用收益法进行评估，确认预期收益时，要根据农地等级和土地规模差异化确定。 最后对于贷款的额度的比例——抵押率，通过对比实践案例中的担保差异得出，当担保更可靠时，更有利于银行流转出农地时，可以提高抵押率，贷给借款人较多额度；另外通过分析参与流转处置的主体得出，中间组织的存在和农地流转后用途收益更高的情况下，农地流转处置给银行带来的变现收益会更高，因此，银行贷款额也可以适当提高。 通过评估实践案例的对比分析和优化，既合理确定农地经营权贷款的额度，又在此基础上进一步优化农地抵押贷款违约风险规避，为更好地开展农地抵押贷款提供借鉴，并提出相关建议来更好的指导各地抵押实践，促进农村经济金融的发展将有重要意义。

Agricultural land management rights mortgage before issuing important link is the reasonable assessment of farmland management value. When carry out land management rights mortgage, need scientific and reasonable to evaluate the value of farmland management of mortgage, the land management of the banking institutions to assess the value of reference, in avoiding risk determine the loan under the mortgage of the issuance of credit and risk control. But, at present the pilot areas of agricultural land management rights value evaluation has not unified standard, mainly by Banks and borrowers to negotiate and using the "one-size-fits-all" way of evaluation, there is a straightforward and optional; No basis for the confirmation of the mortgage rates, which makes the determination of the loan amount is not enough scientific. Therefore, we need to study of farmland management of mortgage loans to assess, better use of resources, make the maximum benefit both borrowers and lenders. For farmland at this stage is at first, this paper analyses described the characteristics of external environment of mortgage, and introduces the methods of assets evaluation, in order to choose income approach as the most suitable evaluation methods. Second to introduce three pilot areas of farmland mortgage assessment practice, the practice of pilot areas of farmland management and compared three mortgage deciding factor differences. Practice, agricultural land mortgage loan amount is determined by the land management rights value and adjustable multiplication. And farmland management value by rent farmland use rights and farmland planting crops to bring the expected return of decision, then respectively from farmland use rights, rent farmland of expected return and farmland mortgage loans, to improve land management rights mortgage loans. Through comparative analysis of the mortgaged property evaluation standard, in terms of farmland use right rent, to their own land management rights and the circulation of agricultural land management rights to distinguish treatment, through the circulation of agricultural land because the rent is a year, so for mortgaging farmland circulation, expected income evaluation to deduct transfer rent; Expected return on land management rights, farmland crops in accordance with the market average price or the price of the country the last purchase price there is no difference, but need to consider of farmland classification, farmland grade will affect the farmland planting crops output, the scale of farmland will produce economies of scale, and thus impact on farmland expected earnings, so use to evaluate income method, confirm the expected return, should be determined according to the level of farmland and land scale differentiation. Finally for in proportion to the amount of the loan, mortgage, guarantee differences in case it is concluded that, by comparing the practice when guarantees more reliable, more conducive to the bank at the time of the circulation of farmland could improve the mortgage rates, loans to borrowers more lines; In addition to participate in the circulation through analysis of the disposal of the body of the draw, the existence of intermediate organization and farmland circulation after the application under the condition of higher yield, farmland circulation treatment brings to the bank''s cash earnings will be higher, so the bank loan can also be appropriate to improve. Through the contrast analysis and optimization of assessment practice cases, both reasonable farmland management of loan quota, and on the basis of the further optimization of agricultural land mortgage default risk aversion, to better serve as a reference to carry out the agricultural land mortgage, and puts forward related Suggestions to better guide around the mortgage practice, promote rural economic and financial development will have important significance.