Research On Mortgage Loan Of Rural Land Contractual Management Right In Zhangbei County

At present,the financing channels of rural areas in China are narrow and the farmers' financing is difficult,which restricts the growth of farmers' income and the construction of agricultural modernization.In recent years,the country introduced a series of policies to support the rural land contract management rights can be secured,all over the country to carry out rural land contracting right mortgage loan business pilot work,attaches great importance to the mortgage right of rural land contracted management by the state and the society,its development not only can effectively resolve the financing problems of farmers.Can promote the agricultural scale management to realize agricultural modernization,but also conducive to active rural financial market to promote rural financial innovation,the reform of China's rural land system also provides theoretical support.Zhangbei County of Hebei province started the pilot work of mortgage loan business of rural land contractual management right in 2013,which has made some achievements in the past five years,but also encountered many obstacles.According to the current actual situation of the development of rural land in Zhangbei County,rural land contracting right mortgage as the object of study,carried out the reality research through the implementation of loan business of Zhangbei county rural land contracting right mortgage loan business,has in-depth analysis of Zhangbei county rural land contracting right mortgage problems in the implementation process,and using the game analysis method to find the borrower and the lender to choose the best strategy in lending behavior,summed up the obstacles caused by the various aspects of the issue,as the main body and puts forward the corresponding improvement suggestions,can promote the loan business of Zhangbei county rural land contracting right mortgage and the healthy development in order to.The research shows that the borrower financing will is not strong,the lender enthusiasm is not high,the lack of relevant supporting measures is the biggest obstacle to the mortgage business development,find the business reasons for the slow advance in Zhangbei County,and aiming at these problems,this paper argues that Zhangbei county should improve the rural land contract management rights trading market,strengthen risk diversification after the loan and supervision,optimize the external environment,increase support for rural financial institutions is conducive to improving the status of rural land contracting right of localmortgage business develops slowly and promote the rapid development of mortgage business.