Research Approaches Chongqing Rural Land Contract Management Right Mortgage Optimization

Lack of effective collateral financing difficulties of the rural farmers to obtainloans too hard for the emergence of the rural land contracting right mortgage loan, therural land managers to obtain long-term credit funds to become a reality, and this is thekey measures for sustainable development of agriculture. This paper adopts theoreticalanalysis, case studies, and model analysis of the combination of research methods,based on China’s basic national conditions and the actual situation of the Chongqingstudy the behavior of the rural land contract management right mortgage, find theinternal driving force to promote the development of Chongqing rural land contractingright mortgage loan implementation background, summarizes the research status athome and abroad, and to the land property rights theory, the theory of land credit andrisk theory, the theory of economies of scale as a guide, describe the Chongqing ruralland contract management right mortgage the current situation and existing problems,mainly reflected in: mortgage difficult to implement, difficult to determine the value ofthe mortgaged property, portfolio maintenance is difficult, difficult to control the risk ofloans, imperfect legal, financial institutions lending are not enthusiastic about these sixissues. With game method Bank and Agricultural big business loan options strategy tofind the internal driving force for the promotion of their development. Concluded thatthe land contract and management rights need to be ready to be realized in order tobecome a credible threat to the bank for loans to agricultural big business, big businessof agriculture will choose to repay the loan, the Government should maximize the helpagricultural producers reduce production risk for income to repay the loan. But thespecial nature of agricultural production Agriculture big business may not be able torepay the loan, the bank will realize the land contract and management rights to obtaincompensation, land contract and management rights can be realized at any time is avalid path to promote the implementation of the mortgage. Asked the rural land contractand management rights mortgages optimization program. This scenario includes theoptimization of operational processes, policy optimization and risk prevention in threeaspects. Optimization of operational processes, strict Add to assess aspects of securitycompanies to participate in, and requires an assessment of institutions and guaranteecompany registration agencies, in order to form an effective exchange of information. Inorder to ensure the smooth operation of the land contract and management rightmortgage loan, you also need a multi-party support of government policies, such as improving the legal, land transfer market, guide the flow of funds.