Study On The Current Situation Of Rural Property Mortgage Financing And Development Countermeasures

In the planned economy period, our law expressly stipulates that homestead property such as contract and management rights of rural land and housing rights can not be mortgage financing, which makes farmers difficult to obtain effective financing, and thus hinders the economic and financial development of rural area. To solve the problem of financing, we must establish a standardized system from a plurality of leg al, policy, and finance to activate existing resources and improve the "three rural" developmental speed. In recent years, the Center Goverment has promulgated a number of documents to guide the mortgage financing reform of rural property rights and select several country provinces and cities as part of the experim ental area of rural property mortgage financing, mortgage financing. This paper analyses the development bottleneck of mortgage finance of rural property and proposes the solution and specific measures from points of rural property development of government, financial institutions and households,targeting at the existing Problems explored to promote rural property mortgage.Through field survey data, the base case analysis, respectively, from the government, financial institutions and households angles are described, based on farmers angle conducted an investigation, using SPSS software for survey data to sort, sample selection, farmers loans the case has been described, and the factors which may affect the willingness of farmers were analyzed. Describes the status of Liuyang demonstration area rural property mortgage financing and existing problems, it introduced Liuyang rural property mortgage finance business, summed up the right to use the housing cover, land management rights, biological assets, agricultural loans and mortgage facilities IPR pledge loans several features five types of mortgages and property financing activities of Liuyang, demonstrates several major factors affecting rural property mortgage financing Liuyang demonstration area, reached the following conclusions:(1) demonstration zone Liuyang rural property mortgage financing activities there are legal policy is lagging behind, property valuation agency approach is not clear, turn collateral logistics channel is not smooth, risk mechanism needs to be improved credit environment and rural poor a few questions. (2) rural property mortgage financing model to broaden the channels for farmers to supply funds, to some extent alleviate the common face among local financial institutions and farmers’ difficulty in obtaining loans, "" hard loan "financing bottlenecks. (3) Farmers’ property mortgage financing higher willingness to participate in the loan diversification purposes, including the cultivation of fruits and vegetables, cattle and sheep breeding, buy agricultural machinery, and other ceremonial occasions, including agriculture-related spending accounts for about 60%, according to. (4) gender-headed households, household size, per capita income, property mortgage policy level of understanding of the credit union service satisfaction and farmers’ educational level have a significant impact on farmers rural property mortgage financing. (5) different factors on farmers’willingness to mortgage financing is not the same degree of influence...