The Innovation Research Of Family Farm Property Mortgage Products In Zhanjiang

In2013, in order to support and encourage the family farm development, the Central Document No.1puts forward clearly that we should further see the family farm as a new agricultural management main body. With the support of macro policy, Zhanjiang, the agricultural city, also vigorously promotes the family farm development model. At present, lack of funds is the biggest barrier to the family farm in Zhanjiang. The Conservative rural land property rights system makes the farmers can not get the finance from the bank by mortgaging the land and so on, which restricts the development of the family farm. Therefore, in order to solve the financing problem of family farm, it is very urgent and necessary to explore the innovation of the property mortgage products, particularly that which suitable for the development of family farm in Zhanjiang.First of all, this paple embarks on the current situation of the family farm development in Zhanjiang, and discusses the internal and external environment of the family farm property mortgage loan innovation product in detail. Second, it analyzes the Property mortgage products to determine the cause of slow development, whose mortgages are the rights to use the forest, he sea areas,the water tidal flats and so on. Then, it surveys and analyzes the demands of banks’ funding demands, the land mortgag, the homestead property mortgage and so on by using the method of questionnaire investigation, Through the empirical study, there is a huge market loan product demand in the countryside by mortgaging the rights, such as the property right to the contracted management of land, to use the homestead and the farmhouse, which has a very crucial role in promoting the development of family farm. Based on the above viewpoint, this paper designs four rural property mortgages creative products that fit for the development of family farm by drawing lessons from the developed countries and districts family farm property mortgage products, and combing with the latest policy in China. Finally, according to the previous analysis, the paper gives some related suggestions on the development of Zhanjiang family farm property mortgage products to seek effective ways to solve the funds problem in developing the family farm.