摘要： 农作物与农产品抵押为农民的融资难题提供了一个可行的解决方案。农作物抵押是不动产抵押，应由林木主管部门或者公证机构办理抵押登记。农产品既可以设定固定抵押也可以设定浮动抵押。然而，根据《物权法》的规定，只有“农业生产经营者”可以设定农产品浮动抵押，但“农业生产经营者”的概念并不明确，而且作为抵押物的农产品的范围也有待进一步廓清。与此同时，我们还需要解决好抵押权竞合的问题。

Abstract: Crops and agricultural products mortgage can serve as efficient ways to solve the farmer's financial problem． Crops mortgage is real estate mortgage and should be registered by woods authorities or public notaries． Agricultural products can be object of fixed mortgage and floating charge． However， according to the Property Law， only “agricultural products maker” can establish agricultural products floating charge， but the law does not prescribe who is “agricultural products maker”． The law also does not definite what is “agricultural products”． We also have to solve the problems of rights contending．

Key words: farmer, finance, crops, agricultural products, mortgage