新疆财经

新疆财经 ›› 2015,Issue (3): 5-11.

• 经济理论与实践 •    下一篇

我国农村“两权”抵押融资的试点经验及启示

高勇   

  1. 中国人民银行宣城市中心支行 调统科,安徽 宣城 242000
  • 收稿日期:2015-03-30 出版日期:2015-06-25 发布日期:2020-12-14
  • 作者简介:高勇(1975－),男,经济师,研究方向:农村金融和互联网金融。
  • 基金资助:
    国家哲学社会科学基金项目“新型城镇化与农业现代化互动协调机制研究”(13BJY120)

The Experience and Enlightenment of the “Two Rights” Mortgage Financing in Rural Areas in China

Gao Yong   

  1. Xuancheng Sub-central Branch of People’s Bank of China, Xuancheng 242000,China
  • Received:2015-03-30 Online:2015-06-25 Published:2020-12-14

被引次数

1

摘要： 近年来,我国部分省市相继开展了“两权”抵押融资的试点工作,并积累了较为丰富的试点经验。然而,由于现行法律、产权界定、社会保障等方面仍存在诸多问题,导致“两权”抵押融资的推广工作困难重重。与之相比,发达国家已经形成了较为成熟的农村土地产权抵押的理论基础及模式,这为我国在明晰产权、社会保障等方面就进一步推广“两权”抵押贷款提供了借鉴。

关键词: 宅基地使用权, 土地承包经营权, 抵押融资

Abstract: At present,the study of the “two right” mortgage financing problem in rural areas of China is of great practical significance.In recent years,some provinces and cities in China have carried out the pilot project of the “two power” mortgage financing,and has produced relatively extensive experience.However,due to the current law,property rights,social security and other aspects,many bottlenecks still exist,resulting in the promotion of the two power mortgage financing difficulties.In comparison,developed countries have formed a mature rural land property mortgage of theoretical basis and model,which provide a reference for clear property rights,social security and other further promotion“two rights” mortgage loans in China.

Key words: Homestead Right of Use, Land Contractual Management Right, Mortgage Financing

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