The Positive Study Over The Mortgage Financing Of Rural Real Estates

Rural housing mortgage financing constrained the development of rural economy, the author of the longevity of rural areas and other cities home mortgage financing situation of the research, analyze its causes and demonstrate the feasibility of rural housing mortgages, while building the system and recommendations made. This article is divided into four parts.The first part, the longevity area as an example, for rural housing mortgage financing describes and illustrates the current situation.The second part of the rural housing mortgage financing reasons, including the legal provisions of the obstacles to delay the registration of rural property rights, rural housing disposed realized the difficulties of rural housing is difficult to determine the value of the loan risk-sharing mechanisms are not yet established, not the legislative level ideas the liberation of the six reasons.The third part, demonstrate the need for rural housing mortgage financing and feasibility. Including urban and rural areas need help to promote the construction; is conducive to revitalize the rural areas of static assets; is conducive to expand rural financing channels; help to promote business income of farmers. The feasibility of including in rural areas have a legal basis for mortgage financing; rural home ownership and collective ownership of land can be used for the separation of mortgage financing; room, to sub-charge does not violate the provisions of the law and "the premises of one of the" principle; in the disposal of to achieve the right of rural housing mortgages, rural housing and land should be reflected in the consistency of the principal ownership and disposal of rural housing for the introduction of a statutory tenancy system; mortgage financing in rural areas will not affect social stability; rural housing mortgage finance experience could have been pilot reference.The fourth part of the proposed construction of rural housing mortgage financing system and recommendations. Including the introduction of more policy support for the government to accelerate the work of rural property rights registration certification, the establishment of rural housing value assessment system, improve the rural housing mortgage finance risk-sharing mechanism, establish a rural minimum housing security system, improve the flow of rural housing trading system, accelerating the rural social security system, improve the farmers and rural enterprises in the eight areas of credit management system, system construction and recommendations.I believe that parts of the country in reference to carry out a pilot rural housing mortgage finance based on the experience, positive and secure the implementation of rural housing mortgage is to solve the "three rural" an important way capital needs, expand rural financing channels for the support of farmers and business entrepreneurs expand the production and reproduction, and promoting rural economic development is of great practical significance.