Risk Management Research Of Zaozhuang's Rural Land Property Rights Mortgage Loan

Fanner financing issue continues as a constant constraint on rural economic development. Land mortgage placed on contracted land management right of fanners or rural land cooperatives as collateral has turned out to be a breakthrough in solving the rural financing "bottleneck" problem, and opened a new and broad path for farmers and agricultural cooperatives to get financed.In an effort to meet the demand of rural land transfer management, the city of Zaozhuang created a mortgage business as a pilot project, that is, loans placed on rural land property rights (contracted land management)as collateral, thus "wakening" the land asset to the effect that rural land can be managed on a large scale and capitalized, agriculture-related financial institutions can expand their credit scope, and the need can be met in terms of interest claims relative to the government, banks, and fanners. Such a pilot project has greet potential to channel money into the hands of fanners.In the hope that rural land mortgage financing business on the basis of contracted land management right as collateral develops in a healthy manner, and the issue of "San Nong"-concerned financing difficulty can be really removed, this study is grounded on the existent theoretical research literature, and in light of Zaozhuang's pilot business characteristics, aims to explore all possible exposure to the current land mortgage placed on contracted management right and work out feasible risk dissolution management measures for a large-scale and healthy development of contracted land management right financing business.