农村土地承包经营权抵押融资问题研究

发布时间：2018-09-11 07:47

【摘要】：改革开放以来的几十年间,我国经济得到极快发展,城市化的步伐也在日益加快,然在这光鲜的背后却隐藏着这样一个问题,即二元化的城乡结构日益明显。在城乡二元化结构的背景下,农业生产者资金短缺严重,又其因缺少可抵押的财产,于是融资难成为困扰农业生产者的一大难题。为打破这一僵局,近些年来,我国不少省市在积极探索以农村土地承包经营权进行抵押融资,这一实践活动盘活了农村沉睡的资产,对于“三农”问题的解决具有重要意义。然而,农村土地承包经营权抵押融资活动是在相关顶层制度缺失的情况下进行的,虽然其积极意义明显,但我国法律仍未对其认可。也就是说在农村土地承包经营权抵押方面,我国实践先于立法,这便可能引发一些列问题。本文通过对农村土地承包经营权相关理论的研究,以及对域外和我国各地抵押模式的分析比较,试图完善我国农村土地承包经营权抵押制度。本文除绪论和结语外,共分为四部分：第一部分,相关概念及理论的概述。笔者首先对农村土地承包经营权进行了界定,然后从农村土地产权理论、农村金融有关理论及地租和价格理论三个对农村土地承包经营权抵押的生成进行阐释,为农村土地承包经营杖抵押寻找理论基础。第二部分,我国农村土地承包经营权抵押现状。笔者首先从我国《担保法》、《农村土地承包经营法》及《物权法》的相关规定,介绍了我国农村土地承包经营权抵押的法律环境,然后介绍了在相关实践方面具典型性特征的重庆模式、成都模式及枣庄模式,并对其做了评价。第三部分,域外农村土地抵押融资实践。笔者在本部分对美国、德国、日本以及我国台湾地区的农村土地使用权抵押融资实践作了介绍,以期对我国农村土地承包经营权抵押提供借鉴意义。第四部分,我国农村土地承包经营权抵押制度的完善。在本部分笔者首先提出遵循物权法定缓和主义是我国当前推行农村土地承包经营权抵押的前提条件,然后从产权登记、农业保险、农村土地流转市场、社会保障体系建设等方面提出推动我国农村土地承包经营权抵押走向成熟的建议。
[Abstract]:Since the reform and opening up to the outside world, China's economy has been developing rapidly, and the pace of urbanization has been accelerating day by day. However, behind the bright background is a problem, namely, the dualized urban-rural structure is becoming more and more obvious. Under the background of urban-rural dualized structure, the shortage of agricultural producers' funds is serious, and because of the lack of mortgaged property, financing is difficult to become a big problem that puzzles agricultural producers. In order to break the deadlock, in recent years, many provinces and cities in our country are actively exploring the use of rural land contractual management right to mortgage financing. This practical activity has activated the sleeping assets in rural areas, which is of great significance to the solution of the problem of "agriculture, countryside and farmers". However, the mortgage financing of rural land contractual management right is carried out in the absence of relevant top-level system. Although its positive significance is obvious, it is still not recognized by the law of our country. In other words, in rural land contract management right mortgage, our country practice before legislation, this may lead to some problems. This paper tries to perfect the mortgage system of rural land contractual management right by studying the relevant theories of rural land contractual management right and analyzing and comparing the mortgage modes in foreign countries and all parts of our country. In addition to the introduction and conclusion, this paper is divided into four parts: the first part, the related concepts and theoretical overview. The author defines the right of contracted management of rural land first, and then explains the generation of mortgage of contractual management right of rural land from three aspects: the theory of rural land property rights, the theory of rural finance and the theory of land rent and price. To find the theoretical basis for the rural land contract management staff mortgage. The second part, our country countryside land contract management right mortgage present situation. First of all, the author introduces the legal environment of the right to contract management of rural land in China from the relevant provisions of the Law of guarantee, the Law of contracted Management of Rural Land and the Law of Real Rights. Then it introduces Chongqing model, Chengdu model and Zaozhuang model with typical characteristics in relevant practice, and evaluates them. The third part, the practice of rural land mortgage financing. In this part, the author introduces the practice of mortgage financing of rural land use right in America, Germany, Japan and Taiwan in order to provide reference for the mortgage of contracted management right of rural land in our country. The fourth part, our country countryside land contract management right mortgage system consummation. In this part, the author first puts forward that it is the precondition of carrying out the mortgage of contracted management right of rural land in our country to follow the moderating doctrine of property law, and then from the property right registration, the agricultural insurance, the rural land circulation market, The construction of social security system puts forward some suggestions to promote the maturation of rural land contractual management right mortgage.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F321.1;F832.43

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