Supply Of Rural Housing Mortgage Loan

Credit constraints caused by the credit crunch is the primary obstacle of the development of rural economy.In order to solve rural financing problem and promote the rural economy develop rapidly.In 2014,the central NO.1 paper proposed that based on protect farmers,land usufructuary right,and choose several pilots to promote rural housing mortgage prudently and steadily.Therefore,rural housing mortgage loan has been regarded as one of the major initiatives to service the rural.In the national rural housing mortgage loan pilots,Jiangsu Xinyi pilot achieved good results.Based on this,this study research Jiangsu Xinyi,the main contents and conclusions of this study are as follows:Part 1:Rural housing mortgage loan product analysisThis study analyze the background and the development of rural housing mortgage loan of Xinyi city,and from the borrower,collateral,value evaluation and loan review of contracts for detailed analysis.The results are as follows:the development of rural housing mortgage loan has experienced the initial stage,development stage and bottleneck stage.Part 2:Rural housing mortgage loan supply willingness analysisBased on the empirical analysis of the 68 and 72 loan officers in pilot area in 2012 and 2014,researched on the officers supply willingness,and analyze the loan officer supply willingness change after the external environment change,research the external factors which restrict the development of rural housing mortgage loan.Concluded that the loan officer for the supply of rural housing mortgage loan willingness decline with the development of rural housing mortgage loan,but the collateral reduced borrowers threshold function is gradually weakened.The loan officer become more strictly on rural housing.In addition,the unclear property right is the leading cause.At present,strengthen government support for the loan improve the supply of rural housing mortgage loan significantly.Part 3:Rural housing mortgage loan product risk analysisThis research analysis the pilot area of rural housing mortgage loan risk types first,and then analyse the typical default case,finally reveal the risks of the rural housing mortgage loan in pilot areas.Concluded that rural housing mortgage loan has credit risk,legal risk and disposal risk;Pilot areas loans still exist the loan quality and farmers credit are low,circulation mechanism insufficient,risk sharing cannot reach the designated position and lack of the safeguard mechanism.Finally,based on the above research contents,summarized the main conclusions,and put forward the suggestions to solve the specific factors which restrict the development of the rural housing mortgage loan.