Three Mortgage System Construction Research

The rapid development over the past30years have bring our cause of reform andopening to the outside to a profundal zone, in the last years we adopt a measure whichis testing each step before taking it, and we establish everything from nothing. Now,we enjoy the achievement of the development, on the other hand, the disharmony ofthe society is growing. If we name the past is a reform of increment, now we shouldname it stocking reform, which is the guarantee of the success of the reform. Wecalled the legalization of the redistribution of the interest as reform,so we must makea decision of the distribution of the land in the farm. In this article, we make a thoughtof how to let the farmer to mortgage their contractual right of land, forest right and theownership of the house. But there is some problem should point, in a long term,farmers of home ownership, tenure, land contract operation rights can not serve ascollateral three potential assets "because there are legal obstacles, difficult for farmersto obtain financing through a bank,In modern economic conditions, the financial coreof the economy, the financing capacity is actually a revenue capacity, the nature ofrural credit mechanism actually farmers in the mechanism of the jump in incomeunder the current social,The unconventional use of financial leverage to expand theirproperty income, and improve the living and living conditions Chongqing citycurrently has four major banks to carry out the "three rights" mortgage financing.Among them, only the Chongqing agricultural business was begun in the round" threerights" business, Agricultural Bank of China, agricultural issue is mainly to carry outthe forest right mortgage business. As of10at the end of2011, Chongqing agriculturalfirms issued a total of" three rights" mortgage loan of2040000000yuan. The issuanceof housing mortgage loan1570000000yuan, forest right mortgage loan390000000yuan,77880000yuan of loans of contractual operation right of land.From theinitial700countryside (town) credit cooperatives restructuring from the Chongqingagricultural firms, in Chongqing has the most extensive agriculture-related financialnetwork and the most profound farmer masses foundation. At present, Chongqing agricultural firms1763outlets have covered all the City Township, the self-serviceterminal has also been extended to the village. In addition, Chongqing agriculturalfirms also has a number of years of credit personnel rooted in rural areas. They are onthe" three rights" of the value of more familiar, in doing business, which can ensurethat the assessment of the value of fair, reasonable, can improve the efficiency ofloans.