本文選題：宅基地使用權(quán) + 抵押��； 參考：《南京社會(huì)科學(xué)》2017年03期

【摘要】：允許宅基地使用權(quán)抵押,在法理論、法技術(shù)和法政策層面均可得到充分支持。在宅基地使用權(quán)抵押的法律關(guān)系中,抵押人并非獨(dú)立于自然人的主體——“農(nóng)戶(hù)”,而是特定農(nóng)戶(hù)的全體家庭成員;客體應(yīng)以登記確權(quán)的宅基地為限,并應(yīng)遵循“房地一致”原則;抵押權(quán)人不應(yīng)局限于金融機(jī)構(gòu)。在宅基地使用權(quán)抵押的運(yùn)行中,為疏解宅基地流轉(zhuǎn)和耕地保護(hù)的矛盾,應(yīng)當(dāng)對(duì)超標(biāo)宅基地抵押進(jìn)行限制,并增設(shè)“新增宅基地抵押冷卻期”制度。為平衡銀行貸款風(fēng)險(xiǎn)和農(nóng)民宅基地抵押經(jīng)濟(jì)價(jià)值,抵押權(quán)實(shí)現(xiàn)時(shí),應(yīng)當(dāng)將不同實(shí)現(xiàn)方式層次化對(duì)待,并逐步拓寬受讓人范圍。同時(shí)應(yīng)當(dāng)設(shè)立風(fēng)險(xiǎn)基金作為宅基地保障功能的初步替代,并應(yīng)鼓勵(lì)采取信用保險(xiǎn)與保證保險(xiǎn)等保險(xiǎn)方式為農(nóng)戶(hù)增信。
[Abstract]:Allow homestead right to use mortgage, in the legal theory, legal technology and legal policy level can be fully supported. In the legal relationship of mortgage of the right to use the homestead, the mortgagor is not the main body independent of the natural person-"peasant household", but all the family members of the particular peasant household, and the object should be limited to the homestead where the right of registration is confirmed. And should follow the "premises consistent" principle; mortgagee should not be limited to financial institutions. In order to solve the contradiction between the circulation of homestead and the protection of cultivated land in the operation of the mortgage of the right to use the homestead, we should restrict the mortgage beyond the standard, and add the system of "the cooling-off period of the new mortgage of the homestead". In order to balance the risk of bank loan and the economic value of peasants' homestead mortgage, different ways of realization should be treated hierarchically and the scope of transferee should be widened gradually when the mortgage is realized. At the same time, risk fund should be set up as the primary substitute for the function of homestead protection, and credit insurance and guarantee insurance should be encouraged to increase the credit for farmers.
【作者單位】： 中南財(cái)經(jīng)政法大學(xué)法學(xué)院;武漢大學(xué)民商事法律科學(xué)研究中心;
【分類(lèi)號(hào)】：922.3

【共引文獻(xiàn)】

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本文編號(hào)：1924717