Research On The Mortgage Of Farmers’ Housing Property Rights In FC City

For a long time,because China’s legal system prohibits the use of mortgaged homesteads,it is difficult for farmers to obtain loans for production and operation due to the lack of qualified and effective collateral,which seriously hinders the development of the rural economy.In order to solve the problem of difficult to loans and mortgages for farmers,China launched a pilot project of rural housing property rights mortgage in 2015,and issued a series of policies to continuously promote the pilot project of rural housing property rights mortgage loans.In the 2018 Central Document No.1,it further proposed to explore the separation of the “three powers” of the homestead and moderately release the property rights of rural houses to give farmers more property rights.In recent years,local governments have continuously promoted the pilot work of rural housing property rights mortgage loans,but from the performance of the rural housing property rights mortgage pilot,there are still many problems.Therefore,it is of great theoretical and practical significance to study the issue of rural housing property rights mortgage loans.This article takes the FC rural housing property rights mortgage business as the research object.First,current situation of FC city peasant housing property rights mortgage loan development was analyzed,concluded that the real dilemma facing the development of rural housing property rights mortgage loans in FC City is mainly the slow business development,imperfect rural housing property rights valuation system,lack of a scientific and reasonable pricing mechanism for rural housing property rights loans,and mortgages difficult to disposed;Secondly,this paper uses a questionnaire for 504 rural household peasant housing property rights mortgage loans in FC City,using the Probit-ISM model to analyze the factors that affect farmers’ participation in willings housing property rights mortgages and their hierarchical structure from four aspects: household characteristic variables,household characteristic variables,loan demand variables,and location characteristic variables,the multi-class ordered logistic model was used to analyze the factors affecting the farmers’ housing property rights mortgage risk from five aspects: individual characteristics of households,household characteristics,default cognitive variables,loan characteristics,and distance from cities and towns;thirdly,in view of the impediment of the peasant housing property rights mortgage system facing the imperfect evaluation system of peasant housing property rights in FC City and the lack of a scientific and reasonable pricing mechanism for peasant housing property rights loans,this paper constructs a multiple linear regression model for the measurement of peasant housing property value Model and Pricing Model of Farmers’ Housing Property Right Mortgage based on Cost Addition;Finally,according to the practical dilemma faced by the mortgage of rural housing property rights in FC City,relevant countermeasures are proposed.The main innovations of this paper are: using Probit-ISM model to quantitatively analyze the farmers’ willingness to participate in the mortgage of peasant housing property rights and its hierarchical structure;using a multi-class and ordered Logistic model to analyze the influencing factors of peasant housing property rights mortgage risks;constructing based on the multiple linear regression model,the calculation model of the value of peasant housing property rights and the pricing model of the peasant housing property rights mortgage loan based on the cost-plus method are introduced;the introduction of statutory leasehold rights of housing sites to solve the dilemma of peasant housing property rights circulation.