本文關(guān)鍵詞：農(nóng)村資產(chǎn)抵押化的前提與績(jī)效:寧波樣本　出處：《改革》2010年11期 　論文類型：期刊論文

  更多相關(guān)文章： 農(nóng)村資產(chǎn)抵押化 農(nóng)村抵押貸款 土地產(chǎn)權(quán) 寧波

【摘要】：在我國(guó)現(xiàn)階段農(nóng)村土地產(chǎn)權(quán)制度框架下,是否可以通過有效的制度設(shè)計(jì)賦予農(nóng)村資產(chǎn)抵押權(quán),從而實(shí)現(xiàn)正的信貸供給效應(yīng)是理論和實(shí)踐部門關(guān)注的焦點(diǎn)。浙江寧波"兩權(quán)一房"抵(質(zhì))押貸款的實(shí)踐為農(nóng)村資產(chǎn)抵押化提供了新的經(jīng)驗(yàn):賦予農(nóng)村資產(chǎn)抵押權(quán)能夠挖掘資產(chǎn)潛在的經(jīng)濟(jì)潛能,在獲得正的信貸供給效應(yīng)的同時(shí)也能夠降低農(nóng)戶的信貸成本;同時(shí),在當(dāng)前農(nóng)村土地產(chǎn)權(quán)制度框架下實(shí)現(xiàn)農(nóng)村資產(chǎn)抵押化必須具備一定的前提條件,特別是需要地方政府的積極支持。
[Abstract]:Under the framework of the rural land property right system at the present stage of our country, can we give the mortgage right to the rural assets through the effective system design? In order to achieve the positive credit supply effect is the focus of theoretical and practical departments. Ningbo, Zhejiang Province "two rights one room" (quality). The practice of mortgage loan provides a new experience for the mortgage of rural assets: giving the mortgage of rural assets can tap the potential economic potential of assets. While obtaining the positive credit supply effect, it can also reduce the farmers' credit cost; At the same time, under the framework of the current system of rural land property rights, the realization of rural assets mortgage must have certain preconditions, especially need the active support of the local government.
【作者單位】： 武漢大學(xué)經(jīng)濟(jì)發(fā)展研究中心;南京農(nóng)業(yè)大學(xué)經(jīng)濟(jì)管理學(xué)院;
【基金】：教育部人文社會(huì)科學(xué)重點(diǎn)研究基地重大項(xiàng)目“農(nóng)村經(jīng)濟(jì)發(fā)展中的金融產(chǎn)品和服務(wù)方式創(chuàng)新研究”(批準(zhǔn)號(hào):2009JJD790032) 國(guó)家社會(huì)科學(xué)基金重大項(xiàng)目“建立現(xiàn)代農(nóng)村金融制度對(duì)策研究”(批準(zhǔn)號(hào):08&ZD024) 國(guó)家自然科學(xué)基金項(xiàng)目“農(nóng)村區(qū)域金融發(fā)展研究——基于蘇、皖兩省縣域經(jīng)濟(jì)的實(shí)證研究”(批準(zhǔn)號(hào):70973055)
【分類號(hào)】：F832.4
【正文快照】： 現(xiàn)階段,我國(guó)農(nóng)村經(jīng)濟(jì)發(fā)展面臨著資金的重大瓶頸。據(jù)中國(guó)銀監(jiān)會(huì)統(tǒng)計(jì),我國(guó)農(nóng)村約1.2億農(nóng)戶有貸款需求,然而獲得貸款的農(nóng)戶僅占農(nóng)戶總數(shù)的33.2%[1]。與大多數(shù)發(fā)展中國(guó)家的情況相類似,我國(guó)農(nóng)戶也面臨著較為嚴(yán)重的正規(guī)信貸約束(林毅夫,2000;李銳等,2007;褚保金等,2009)。農(nóng)戶“融

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