Research On Mortgage Loan Of Rural Land Contract And Management Right In Xiangyang

In recent years,under the dual background of the national economic downturn and the agricultural supply side reform,the problem of insufficient supply of financial credit in China's rural areas has become more and more prominent.How to solve the problem effectively has been concerned by the Party Central Committee and scholars for a long time.Every year,all kinds of meetings of the China Communist Party will always focus on the issues related to agriculture and farmers to carry out in-depth discussions and introduce a number of policies.In 2016,the central economic work conference and the central document proposed to further promote the agricultural supply side reform,accelerate the reform of property right system in rural areas,consummate the rural land's "Division of Three Rights" and gradually realize the function of rural land mortgage financing and usufruct.At the same time,the government also carry out the pilot of the contract management of rural land mortgage operation through the financial institutions around the country,Xiangyang is one of the pilot in Hubei province.The Agricultural Bank of China Xiangyang branch is one of the most typical and representative financial institutions of the pilot due to its' business of the mortgage and the highest market share(nearly 70%),therefore this article will take Xiangyang and The Agricultural Bank of China Xiangyang branch as an example to analyze.Firstly,we will define the concept of the rural contracted land management right in China and some related financial concepts through theoretical analysis,then we will take the latest and most real data from the Agricultural Bank of China as the basis to analyze the contract management of rural land mortgage operation in the entire city of Xiangyang financial market from the the point of view of rural financial supply and demand.At the same time,we will combine the theory with the actual situation of Xiangyang to make an in-depth analysis on the rural contracted land management right and draws the conclusionthat it is possible to carry out this kind of financial business in our country.Finally,we will put forward some countermeasures and suggestions to mortgage loan of land contract and management right business by combining the experience of rural land finance in developed countries.