Peasants' Rural Housing Mortgage Loan Policy Implementation Optimization Research

With the advancement of urbanization in China,a large number of farmers have flowed into urban areas,resulting in a large number of rural rural houses(farmers' rural housing)and rural homesteads.The way to effectively meet the needs of farmers' funds,but the policy is still in the trial stage,so there are certain resistances in the specific implementation process.This article takes Yiwu City as an example,using literature induction method,questionnaire survey method,interview survey method,quantitative statistical empirical analysis method,combined with Smith's policy execution theory model to study the implementation and influencing factors of Yiwu's rural housing mortgage loan policy;,Stakeholder game theory and other theoretical foundations to carry out corresponding problem analysis,and finally put forward corresponding suggestions for the existing problems,through the study of this article,the main conclusions are as follows:First,the current rural housing mortgage policy in Yiwu has achieved some results in the implementation process,but it also faces some problems,including the lack of a complete supporting policy mechanism for policy implementation,the lack of enthusiasm of financial institutions for policy implementation,and farmers' recognition of the policy.Issues such as low acceptance and weak implementation of policies.The causes of these problems are:the government blindly pursues the effect of policy implementation;financial institutions avoid large policy risks;farmers need to quickly and fully meet the demand for loans.Therefore,how to balance the interests of all parties is the key factor to ensure the implementation of the policy.Second,the factors that affect the results of the implementation of rural house mortgage loan policies in Yiwu include the degree of idealization of the policy,the implementing agency,the cooperative attitude of farmers,and the policy implementation environment.These four factors have a significant positive impact on the results of policy implementation.The degrees were 0.361,0.249,0.323,and 0.421.Aiming at the existing problems and the results of empirical analysis,this paper proposes to improve the rationalization of rural house mortgage policies in Yiwu,establish a reasonable implementation mechanism to evaluate the implementation of supervision and supervision mechanisms,reasonably guide and encourage farmers to cooperate with policy implementation,and gradually improve the financial environment for policy implementation Status,etc.The research in this article focuses on two aspects.One is to select the economic person hypothesis theory and the stakeholder theory to analyze the dilemma of the current implementation of the rural house mortgage policy;the other is to analyze in detail the factors that affect the implementation of the policy based on the Smith policy implementation model..By studying the problems existing in the implementation of the local rural house mortgage policy and the causes of the problems,I hope to provide some theoretical references for the follow-up Yiwu City to further improve the rural house mortgage policy.