Research on Limiting Factors and Their Countermeasures and Suggestions of Rural Property Mortgage Financing

Jiang Fang
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Abstract

It is a problem to speed up the mortgage financing of rural property rights, meet the financing needs of rural households and other agriculture-related subjects, and solve the shortage of rural funds. This paper summarizes the practical experience of rural property right mortgage financing in Wuhan, Chengdu, Chongqing, and other areas. Then analyzes the restrictive factors in rural property right mortgage financing, such as imperfect laws and regulations, high financing cost, banks, and other financial institutions are not active, and so on. Based on this, this paper analyzes the limiting factors in this financing, and puts forward some countermeasures and suggestions to accelerate it, to deepen the reform of rural property mortgage financing and promote the finance plan named “Finance to Countryside." Keywords—rural property rights, mortgage financing, Restrictive factors, countermeasures, and suggestions
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农村房产抵押融资的制约因素及对策建议研究
加快农村产权抵押融资,满足农户等涉农主体的融资需求,解决农村资金短缺问题,是一个亟待解决的问题。本文总结了武汉、成都、重庆等地农村产权抵押融资的实践经验。然后分析了制约农村产权抵押融资的因素,如法律法规不完善、融资成本高、银行等金融机构不活跃等。在此基础上,分析了我国农村住房抵押贷款融资存在的制约因素,提出了加快推进农村住房抵押贷款融资、深化农村住房抵押贷款融资改革、推进“金融下乡”金融计划的对策建议。关键词:农村产权;抵押融资;制约因素
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