| In China’s rural areas,homestead as a farmer’s property,its mortgage,guarantee,transfer,the Chinese government in the party’s Third Plenary Session in 2014 and the Central Committee on the 1st document clearly made the relevant provisions,clearly in the protection Rural homestead based on the relevant rights and interests,to promote the flexible use of rural housing property rights.Rural housing property rights refers to the farmers to their homestead use rights and homestead built housing ownership of a combination of all rights.Rural housing property right mortgage is an important way for Chinese farmers to solve the operating funds,which is of great practical significance to solve the problems of the difficulty of operating loans for farmers in our country,the shortage of rural funds and the narrow financing channels of peasant entrepreneurs.Ningbo Jiangbei District as a comprehensive reform of urban and rural areas integrated pilot reform,in 2009 with the Ningbo City in the context of rural credit cooperatives to launch a rural housing property mortgage.After years of practice and development,Jiangbei District,Ningbo,rural housing mortgage loans become increasingly mature,into the bottleneck of development,work to promote the difficult.In this paper,under the background of the successful practice of rural housing property right mortgage in Jiangbei District of Ningbo,this paper makes a deep research on the farmer’s family,understanding the loan use,loan quota,the demand of the farmers,the way of financing This paper tries to find out the breakthrough from the rural masses,the finance practitioners and the government,and then systematically expounds the characteristics of the mortgage of the housing property in Jiangbei District.This paper analyzes the rural housing property mortgage loan system in Jiangbei from two aspects of government support and system guarantee,and uses the loan flow chart to illustrate the concrete operation method of the rural housing property mortgage loan.From the investigation and practice,it is concluded that the rural housing mortgage loan is facing five difficulties: the practice of rural housing mortgage collides with the existing law,the difficulty of issuing the rural housing right is difficult,the loan process is complicated,and the participating financial institutions Such as the lack of a single financial institutions in place,the disposal of collateral difficult,the lack of specialized authority,the lack of collateral value assessment system and other supporting security mechanism is not perfect and so on,and finally for the work of follow-up to make constructive comments,out of a realistic,And pioneering and innovative new road of reform.In order to promote the rural housing mortgage loan,according to the difficulties in the practice of rural housing mortgage loan in Jiang bei district,the following suggestions are put forward: perfecting the legal policy,innovating the rural financial system,perfecting the property right mortgage transaction market;The paper puts forward some suggestions on simplifying loan procedure,enlarging the use of loans and strengthening training of farmers’ skills,introducing guarantee companies,innovating mortgage guarantee mechanism,avoiding credit risks and legal risks,innovating mortgage disposal mechanism of housing property rights,The scope of the transferee,the mortgage can be realized,the implementation of the right to use homestead rental system to protect the interests of the interests of homestead interest,to mobilize the enthusiasm of financial institutions;Finally,from the establishment of collateral value assessment mechanism,improve the risk-sharing mechanism,Construction and improvement of rural credit system and improve the rural social security system Jianliang four aspects to improve the rural housing mortgage loan guarantee system and mechanism construction,so as to promote the rural housing property mortgage loan work carried out. |
