宁波农村“两权一房”抵押质押贷款研究

发布时间：2018-01-02 00:11

本文关键词：宁波农村“两权一房”抵押质押贷款研究　出处：《南京农业大学》2012年硕士论文　论文类型：学位论文

【摘要】：我国是一个农业大国,近年来,“三农”问题得到了政府乃至社会各界的广泛关注,“三农”问题的解决对于保持我国经济社会的稳定和快速发展都具有重要意义。在农村经济发展中,农村金融提供资金支持、金融服务的重要力量,而在农村金融中,农村合作金融又发挥着不可替代的作用。当前一个时期,农村经济发展的加速带来农业生产、农村中小企业以及农户对金融服务更高的要求,主要体现在贷款需求的增加上。然而,在我国广大的农村地区,小额信用贷款的满足率较低,农村信用合作社的金融支持逐渐与农村经济发展速度不相适应,我国农业信贷问题十分严峻。在宁波市江北区,随着当地农业经济发展水平的提高,有许多农户希望获得更多的资金支持,农民在生产经营中资金短缺、贷款难的问题已经成为了农民创业致富路上的瓶颈,农民贷款难,归根结底就是因为：缺乏有效抵(质)押物。“两权一房”抵质押贷款的推出可以有效解决农民因为缺乏有效抵(质)押物而遇到的贷款难问题。基于此,本文以宁波市市区联社为例,分析“两权一房”抵质押贷款服务的发展现状,及“两权一房”抵质押贷款业务的可行性和创新性,并在分析的基础之上,以加快推进宁波农村经济发展、推进新农村建设、完善农村信贷体系为目标,提出该抵质押业务进一步开展的意见建议。本文共分五章：第一章为绪论,主要介绍本文的研究背景、国内外研究现状、研究的意义和内容,以及方法和数据来源等。第二章介绍了国内外有关农村信贷的相关理论及研究成果。第三章介绍了两权一房抵押贷款的可行性及创新性。第四章通过将宁波市市区农村信用合作联社在宁波市江北区开展“两权一房”抵质押贷款业务的成果进行总结,从数据和事实两个方面的调查统计来评价宁波市江北区“两权一房”抵押质押贷款的现状及存在的问题。第五章为本文的政策建议部分,对“两权一房”抵质押贷款提出进一步发展措施及完善建议。
[Abstract]:China is a large agricultural country, in recent years, the "three rural" issues have been widely concerned by the government and even all sectors of society. The solution of the "three rural" problems is of great significance to maintain the stability and rapid development of our country's economy and society. In the rural economic development, the rural finance provides the fund support and the important force of the financial service. In rural finance, rural cooperative finance plays an irreplaceable role. At present, the acceleration of rural economic development has brought agricultural production, rural small and medium-sized enterprises and farmers have higher requirements for financial services. However, in the vast rural areas of our country, the satisfaction rate of micro-credit loans is low, and the financial support of rural credit cooperatives gradually does not adapt to the speed of rural economic development. In Jiangbei District of Ningbo City, with the development of local agricultural economy, many farmers want to get more financial support, and farmers are short of funds in production and operation. The problem of loan difficulty has become the bottleneck on the road of farmers' starting a business and making them rich, and it is difficult for them to borrow money. In the final analysis, it is because of the lack of effective collateral. The introduction of "two rights and one house" mortgage loan can effectively solve the problem of farmers' loan because of the lack of effective collateral. Based on this. This paper takes Ningbo City Union as an example to analyze the present situation of the development of "two rights and one house" mortgage loan service, and the feasibility and innovation of "two rights and one house" mortgage loan business, and on the basis of the analysis. In order to speed up the development of rural economy in Ningbo, promote the construction of new countryside and perfect the rural credit system, this paper puts forward some suggestions for the further development of the pledge business. This paper is divided into five chapters: chapter one is the introduction. This paper mainly introduces the research background, domestic and foreign research status, research significance and content. Chapter two introduces the related theories and research results of rural credit at home and abroad. Chapter three introduces the feasibility and innovation of mortgage loan of two rights and one house. Chapter 4th introduces the feasibility and innovation of the two rights and one house mortgage loan. Chapter 4th introduces the feasibility and innovation of the two rights and one house mortgage loan. District Rural Credit Cooperation Association in Jiangbei District, Ningbo " Two rights and one house "against the pledge of the results of the loan business to sum up." From the data and facts of the investigation and statistics to evaluate the Ningbo Jiangbei District "two rights one house" mortgage mortgage mortgage loan status and existing problems. 5th chapter is the policy recommendations of this article. Put forward further development measures and perfect suggestion to the mortgage loan of "two rights and one house".
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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