A Study On The Mortgage Financing Of "Three Rights And Three Certificates" In Rural Areas Of Yunnan Province

In recent years, the CPC Central Committee and State Council on Rural Financial Reform in China has made a series of major deployment, the central annual "Document" also directed "Three Rural Issues", for promoting rapid economic and financial reform of China’s rural played a crucial role. Rural "Three- power three certificates" mortgage financing of rural financial reform as an important financial innovation, has been piloted in some parts of China, and have achieved some results. Yunnan as the western frontier, multi-ethnic underdeveloped areas, "three cards three powers" mortgage financing to ease the financial innovation as rural areas of Yunnan Province "financing difficulties" means, will undoubtedly have a rural financial services and rural economic development in Yunnan a very important role.Based on Yunnan in recent years, the rural "three powers three cards" in the status quo analysis of mortgage financing and reveals the main problems existing, rural "three cards three powers" mortgage financing demand-side and supply-side perspective, combined with a lot of research and statistics, the demand for the status quo in Yunnan Province "three cards three powers" mortgage financing, the supply status of a specific analysis found that the current existence in the countryside of the "three right three cards" mortgage financing of rural development "three cards three powers" mortgage financing strong demand for funds and underfunded effective supply of contradiction, the rural "three cards three powers" mortgage financing related system is not perfect, is not strong sense of participation of farmers, agriculture-related financial institutions, as well as a single sense of innovation is not strong and other issues, which are restricting in Yunnan Province "three cards three powers" mortgage financing of development. Through model analysis using the analytic hierarchy process for the "three cards three powers" mortgage financing risk prevention mechanism has been studied, and give policy recommendations on risk prevention mechanism. By analyzing the status of mortgage financing in the countryside of the "three cards three right" exists, based on the constraints in Yunnan Province "three cards three powers" mortgage financing issues, from the demand side, the supply side, the government point of view, the legal level to offer policies Suggest. Condensed from two perspectives system and mechanism problems, carding policy, we put forward a proposal, hoping to Yunnan Province "three cards three powers" mortgage financing for development to provide some reference.