摘 要:建国以来，通过工农产品价格剪刀差，亿万农民为了工业化与城市化做出了巨大的贡献，在促成了基本工业化的同时也造成了农村的相对落后。三农问题是长期以来困扰中国社会经济发展的顽疾之一，也是中国全面实现小康社会的最大障碍之一。没有农民的小康就没有全国人民的小康，没有农村的现代化就没有国家的现代化。

　　　目前在吉林省悄然开始的一场革命-----“土地收益保证贷款”正在以一种全新的途径破解这一难题。“土地收益保证贷款”将大量的资金以合法手段引进农村，通过盘活农民手中的土地，为农村的发展输血，为农民的增收造血。2012年试点以来，“土地收益保证贷款”已经初见成效，惠及了试点地区的广大农民，受到了当地人民的支持拥护，但同时也暴露出了“土地收益保证贷款”亟需改进的不足。本文第一部分从农村金融现状和农民资产现状两方面进行分析，分析保证贷款的可能性与必要性；第二部分研究试点现状，对土地流转收益保证贷款的效益及不足进行分析；最后将从横向和纵向两方面分析保证贷款未来的发展。

关键词：土地收益；保证贷款；三农问题；吉林省梨树县

Abstract:Since the founding of the PRC,hundreds of millions of farmers have made a great contribution to the industrialization and urbanization through the price scissors between industrial and agricultural products , but it also result in the relative backwardness of the rural areas.Three dimensional rural issues is one of the biggest obstacle to the full realization of a well-off society.A broad consensus has formed in the society that: no well-off farmers, no well-off country;no modernization of the rural areas, no modernization of the whole country.

　　　Crack three dimensional rural issues,financial comes first. The current main way to solve the problem include the following methods: government funding loans, financial institutions concessional loans,  the microfinance model of Nobel Peace Prize winner Muhammad, and so on.These market and non-market model did not fundamentally solve the problem.Now a whole new way to solve this problem-----“land revenue guaranteed loans” has quietly started in Liaoning province.The first part of this paper analysis the necessity and possibility of guaranteed loans from two aspects;the second part of the article research status of pilot areas; finally, analyze the future development of guarantee loan from the transverse and longitudinal aspects .

Keywords: land revenue; guaranteed loans; three rural issues; Lishu County of Jilin Province