A Study On The Mortgage Of Farmland Management Right

Since reform and opening, with the continue deepening of rural land property rights system reform, and brought about efficiency of land resource allocation, in the eighties has been the rapid development of agriculture, farmers incomes and living standards have greatly improve. But since the nineties ,the agricultural production began to stagnate, agriculture and rural backwardness still has not been a fundamental change, China's agricultural development has been existence of some deep-rooted, such as lack of capital investment in agriculture, infrastructure construction issues such as financing gap, all of them have not been applied effectively. Further, is the lack of rural finance system has led to a shortage of funds required for agriculture, rural financial system is unsound and irrational which plays an important role in the further explanation of agriculture's slow development.In research methods, this paper mainly uses standard analysis, in the first, carding the related rural finance theory and, and integrated with relevant laws, social security-related research and data, to bring this article in mutual academic subjects,and form the reasonable theoretical basis of farmland management right in mortgage financing operations. Then, analyzing and summarizing the historical evolution of farmland system to find the strength and the law which promoting its movements. Finally, combining the laws of evolution and the reasonable theoretical basis of management the right to mortgage finance for drawing our own conclusions-the right of land management mortgage financing is the core of the development of rural finance, and has the historical necessity and practical rationality.China is a typical developing country with dualistic economic characteristics. The national rural policies, which directly led to the long-term backwardness of agricultural and rural economics. Thus, in studying the problems of today's rural finance, it must proceed from the evolution of the rural land system to start, but look at the existing rural financial development theory in the domestic, few articles from this point to carry out their analysis. And many specialized in the incompleteness of property rights of farmland, rural land transfer market, commercial banks and mortgage issues.Specifically, the domestic financial problems in rural areas mainly focused in the "three rural credit difficult", and their attributed to the following points:First, state-owned banks in rural areas have been dismantled or merged; Second, rural credit cooperatives difficult to play the role of the main force; third, high cost loans to farmers; Fourth, farmers lacks of collateral. Compared with the previous literature perspective, this paper is thinking on the study of the evolution of the system, from the broader perspective to study the necessary and rationality of farmland management right of mortgage financing models.The first chapter focuses on the background, the purpose and significance of this study. As well as sorting out the relevant research at home and abroad, it will give a probable innovations and a brief introduction of the content. The core of this article is the second, third and fourth chapters. In the second chapter, Starting from the theoretical basis study of farmland management rights of mortgage finance. By combing the theory of financial development in rural areas, the theory of agricultural credit subsidies, the rural financial market theory and the theory of imperfect competition market, and then get the enlightenment of the evolution of a driving force and law ultimately.ChapterⅢmainly consists of the evolution of farmland system and China's rural land system status, and then focused on the analysis of non-equilibrium characteristics of China's rural land system. ChapterⅣanalyzes the reasons for the slow development of rural finance from a system perspective, and then proposed the argument of inhibition of farmland system to rural finance. By studying the value of farmland, the author found that rural land has excellent credit value and further informed that the pattern of farmland management right mortgage was necessity and feasibility.At first, chapterⅤintroduces farmland mortgage financing system of other countries and regions, and then introduced the basic concept of the building of farmland management right mortgage financing system briefly. The possible innovations:firstly, this article analyze the rural financial development from a system perspective, and has identified more powerful explanation for the slow development of rural finance; second, the starting point of the article is to study the farmland system evolution, and got the point that carrying out the farmland management right of mortgage finance was inevitability as well as reasonable derived from a system perspective of the evolution; third, the system design of farmland management right mortgage for financing, has certain degree of innovation.