关键词: 农地确权 , 信任转换 , 农村金融发展 , 新古典

Abstract: Land has three attributes of capital，real estate and commodities，which can be used as the carrier of reputation，accepted by the commercial bank as collateral and used to control the stranger the default risk of the societyLand rights verification can contribute to the modernization of the rural financeTheoretical models and empirical results in this paper show that rural land rights can be conducive to endogenous development of the rural finance from four aspects: height，trade environment，depth as well as breadthRural land rights verification not only raises the importance of risk control regarding institutional trust in commercial banks，but also reduces its overreliance on interpersonal trust and social capitalBy promoting the credit transformation from interpersonal trust to institutional trust，land rights verification benefits the neoclassical development of the rural finance

Key words: land rights verification , credit transformation , rural finance development , neoclassicism