浮动抵押在我国农村金融的应用研究

发布时间：2018-07-26 12:53

【摘要】：农民增收问题和农业产业化问题是中国农村经济的关键问题，农村经济规模化和农业产业化进程需要资金的支撑，现有的制度安排下农民尤其是低收入农户的融资需求得不到满足，，传统抵押在农村融资中并不施用，融资不畅将使得农村经济难以走出小农经济简单再生产的历史循环。研究和理顺农户融资问题对农村经济的发展和社会进步意义重大。我国特殊的国情和农村经济生产力及生产关系的特点决定了农民经济上和社会上的弱势，农户分化和地区经济不平衡加深了农村金融支持服务的复杂性。本文从对农村经济分析的出发，基于相关理论对农户行为模式进行了分析，对我国农村经济和农村金融的相互关系进行了论述，认为解决我国农村金融问题应该跳出农村金融的范围，从农村经济与农村金融相互关系、城乡关系等角度综合解决。本文对浮动抵押进行了法理和历史探源，通过对比其他抵押方式，认为浮动抵押适合我国农村生产经营融资中的抵押设定，对农户融资浮动抵押的具体实施进行了论述，在主客体设定、登记、结晶、抵押权实现等具体环节进行了详细论述，并对农户浮动抵押制度的完善提出了改进建议。最后将农村金融和农村经济发展放在历史的全局角度考察，对农村金融体系的改善进行了分析并提出了一些建议。浮动抵押的不足可以通过对抵押人自由处分权进行一定的限制、赋予抵押权人监督权、引入接管人等予以弥补，我国农户浮动抵押的广泛运用需要农业保险的配套。并且认为，改变城乡二元结构、培育充分竞争的农村金融中介、限制政府管理权力是改善农村金融体系和发展农村经济的根本途径。
[Abstract]:The problem of increasing farmers' income and the problem of agricultural industrialization are the key problems in China's rural economy. The process of large-scale rural economy and agricultural industrialization needs the support of funds. Under the present system arrangement, the financing needs of farmers, especially low-income farmers, can not be satisfied, the traditional mortgage is not applied in the rural financing, and the poor financing will make it difficult for the rural economy to get out of the historical cycle of simple reproduction of small-scale peasant economy. It is of great significance for the development of rural economy and social progress to study and straighten out the problem of peasant household financing. The special national conditions of our country and the characteristics of rural economic productivity and production relations determine the economic and social weakness of farmers. The division of farmers and the imbalance of regional economy deepen the complexity of rural financial support services. Based on the analysis of rural economy, this paper analyzes the behavior pattern of farmers and discusses the relationship between rural economy and rural finance. It is suggested that the rural financial problems should be solved comprehensively from the angle of the mutual relationship between rural economy and rural finance and the relationship between urban and rural areas. This paper discusses the legal principle and historical origin of floating mortgage. By comparing other mortgage methods, the author thinks that floating mortgage is suitable for the setting of mortgage in the financing of rural production and operation in our country, and discusses the concrete implementation of floating charge of peasant household financing. In the subject and object setting, registration, crystallization, mortgage realization and other specific links are discussed in detail, and the improvement of the floating mortgage system of farmers put forward some suggestions. Finally, the paper analyzes the improvement of rural financial system and puts forward some suggestions. The deficiency of floating charge can be made up by restricting the mortgagor's right of free disposition, endowing the mortgagee with the right of supervision and introducing the receiver, etc. The widespread application of floating charge of peasant households in our country needs the matching of agricultural insurance. It is believed that changing the dual structure of urban and rural areas, cultivating fully competitive rural financial intermediaries and restricting the power of government management are the fundamental ways to improve the rural financial system and develop rural economy.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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