Research On Mortgage Loan Development Of Contracted Land Management Right In Meishan Area

For the promotion of rural contracted land management rights mortgage,can solve the problem of rural financial capital insufficiency,at the same time can effectively release the rural resources to promote economic development,more can promote rural contracted land circulation after the "separation of division",further promoting the industrialization of the rural economy,to realize pratt&whitney finance,service to agriculture,rural areas and farmers,driving the development of rural economy,the country revitalization is of great significance.Has been carried out in several provinces rural contracted land right mortgage business,legal person in pilot area of sichuan province meishan,bilateral,chung,such as state has immediately in accordance with the documents such as guidelines to carry out the pilot project of rural contracted land management rights mortgage business,through driving rural contracted land management rights mortgage products to meet the needs of the development of rural finance.The people's bank of China,the China banking regulatory commission,the China insurance regulatory commission and the ministry of finance jointly issued the interim measures on the pilot mortgage loans for the management rights of contracted rural land,which further clarified the direction of rural land reform and provided guidance for the formulation of rural financial products.Relevant elements of loans are defined in the interim measures,which provide a clear direction for local governments and financial institutions to formulate specific operational rules and facilitate financial institutions to better expand rural financial products.This topic will be in meishan city prevailed in area with dongpo area as the research object,introduces a meishan local rural commercial bank,rural commercial bank co.,LTD in meishan launched the pilot areas of rural contracted land management rights mortgage products and other areas for the same type of customer loan product launch of a new type of agricultural management subject,by comparing the two product operation mode,analysis and product the customer evaluation,by the method of principal component analysis,Of meishan rural commercial bank co.,LTD.,in the pilot areas of contracted land management rights mortgage and other areas of the influence factors of the new type of agricultural management main body summary analysis,summed up the different factors of the quality of policy support,the borrower's personal factors such as bigger influence on the two models,thus further intensify policy support,can know to improve customer access standards,strengthen the training of financial knowledge to the customer can promote the development of rural contracted land management rights mortgage loans.This paper finds out the essential problems and essential elements of the mortgage loan for the management right of the contracted rural land through comparison,improves the mortgage loan method for the management right of the contracted rural land,and provides certain help for other financial institutions and researchers to improve such financial products.