Rural Land Contract Management Rights And Property Rights Of Rural Housing Mortgage Financing Model And Strategy Research

After nearly 10 years of exploration and practice theory discussed, "the three powers split" theory, theorists and government level basically reached a Rural Land Property Rights in consensus, namely: the implementation of collective ownership, stabilize and liberalize the right to contract Franchise. Among them, the rural land contract and management rights and housing property and other "two powers" as representatives of rural property mortgages, has launched a pilot started earlier in some natural conditions mature areas, Shaanxi Province and Ningxia Hui Autonomous Region some counties(districts) conducted a pilot explore, rural land situation in the country also has a representative. Shaanxi Province in Northwest living connection East, an important position in the southwest, the level of China, the central region and economic development in the country living in the middle reaches of the provinces and cities area. The Ningxia Hui Autonomous Region has historically been an important trade channel traffic east and west, ancient and modern, known as "stuffed Jiangnan" reputation, as a Muslim neighborhood, enjoy ethnic regional economy, especially the policies. This article is about the two right mortgage loan problem of rural Shaanxi province(Ankang City Hanbin, Ping Lee County, Hanyin, Shiquan County, Xi’an Yangling District, Gaoling) and the Ningxia Hui Autonomous Region(Pingluo, Tongxin County, Jingyuan County, Pengyang) 10 counties conduct investigation and study, on the basis of the theoretical analysis of "three powers split" on the questionnaire and field visits by a combination of master and analysis of Shaanxi Province and Ningxia Hui Autonomous Region Pilot actual situation, combined with the method of case study to compare the two right home mortgage loan classic model proposed for legislative support, improving judicial protection; accelerate the land transfer matching system reform; the establishment of two right mortgage risk-sharing and guarantee mechanisms; improve the rural Financial supply system and business innovation mechanism four policy recommendations.