Research On The Innovation Of Mortgage Loan Model Of Farmers' Housing Property Rights In Tengzhou City

With the intensification of industrialization,urbanization and the aging of the population,the increase in labor costs in cities and towns,coupled with the country's emphasis on agriculture,the government has released rural economic dynamism by adopting a step-by-step policy,and it is necessary for foreign investors to invigorate the rural economy.Endogenous value mining.Under this premise,in April 2016,the Shandong Provincial People's Government issued the "Agreement on the Affirmation of the "Two Rights" Mortgage in Shandong Province.The approval of the Pilot County(City,District)Pilot Implementation Plan of the Loan Pilot Program marked the official launch of the pilot program of "two rights" mortgage loans in rural areas in Shandong Province.Pilot farmer's housing assets have become“living capital",and farmers'housing cannot be used for mortgage loans for many years.This is a bottleneck in the difficulty of expanding rural economic development.This article takes Tengzhou City,a pilot area of mortgage loans for farmers' housing property rights,as the research object.It first introduces the social background and research significance of the development of mortgage loans for rural housing property rights,and sorts out existing literature from both domestic and international perspectives.Then,a field survey was conducted on the status of the pilot work in Tengzhou City,and to conclude that there are some gaps between Tengzhou and other regions where pilots are more mature,combined with the characteristics of regional economy,attempts to propose a reasonable and effective pilot work model-the "Public Service Council" model.The Township People's Council is a village self-government organization established by uniting one or more villages.Its members are rural villagers with existing loan needs and loan willingness.The replacement of rural households by the Rural People Service Council has become the main body of the whole process of operation,fully tapping the role of traditional rural credit environment and social atmosphere in effectively reducing the risk of default,and replacing individual farmers with batch centralized forms for preemptive procedures,reducing the individual application of rural households Difficulties have eased the work pressure of grass-roots workers,and the amount of funding applications has become more flexible,improving the efficiency of applications.Through the design of this model,it will play a guiding role in conducting pilot projects in Tengzhou,helping farmers to quickly and efficiently deal with the financing of rural housing mortgage loans,revitalizing the initial funds,and promoting a more healthy and efficient rural economic development.