农村土地“双权”抵押融资的困境及出路

发布时间：2018-01-17 01:11

本文关键词：农村土地“双权”抵押融资的困境及出路　出处：《上海大学》2014年硕士论文　论文类型：学位论文

【摘要】：通过对农村居民融资现状的实证考察，笔者发现允许农村土地承包经营权与宅基地使用权的抵押融资是解决农村居民面临融资难这一困境的必然选择。但是允许农村土地“双权”的抵押融资，并非简单的修改现行法律规定既可，除法律障碍外，必须要克服土地承包经营权与宅基地使用权的人役性，土地使用权权利的不稳定，土地使用权的行使受到农村集体经济组织影响较大，土地使用权抵押缺乏专门的政策性银行的对口支持，，农村土地流转难，银行等金融机构的抵押权变现难等一系列障碍。因此，要建立、健全我国的农村土地使用权抵押制度就必须修改现行的法律，否则各地在中央政策支持下展开的土地使用权抵押试点都有违现行法律规定，农村土地使用权抵押的合法性都会受到质疑。为此应该修改现行法律关于农村土地使用权抵押的规定，去除农村土地使用权的人役性，做实其财产属性，还原其用益物权的本质。在配套制度建设方面，还要建立农村土地流转的配套机制如农村土地使用权的确权登记、土地价值的评估机制等。此外，我国可以借鉴国外成熟的农地金融制度，建立专门的政策性银行——土地银行为农村居民的融资进行对口支持。
[Abstract]:Through the empirical investigation of the current situation of rural residents' financing. The author finds that it is an inevitable choice to allow the right of rural land contract management and the right to use the homestead to mortgage finance, but to allow the "double right" mortgage financing of rural land is the inevitable choice to solve the dilemma that rural residents are faced with financing difficulties. In addition to legal obstacles, we must overcome the human servitude of land contractual management right and the right to the use of homestead, and the instability of the right to the use of land. The exercise of land use right is greatly affected by rural collective economic organizations, land use right mortgage lack of special policy bank support, rural land circulation is difficult. Banks and other financial institutions such as the realization of mortgage difficult to wait for a series of obstacles. Therefore, in order to establish and perfect the mortgage system of rural land use right in China, we must modify the current law, otherwise, the pilot projects of land use right mortgage carried out in various places under the support of central policies are in violation of the current legal provisions. The validity of the right to use rural land mortgage will be questioned. Therefore, we should modify the current law on the mortgage of rural land use right, remove the human servitude of the rural land use right, and make sure its property attribute. To restore the essence of usufruct. In the construction of supporting system, we should also establish the supporting mechanism of rural land circulation, such as the registration of the right to use rural land, the evaluation mechanism of land value, and so on. Our country can draw lessons from the mature agricultural land financial system abroad, and establish a special policy bank-Land Bank to support the financing of rural residents.
【学位授予单位】：上海大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D923.2;D922.3

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