农房价格实现、位置差异与抵押贷款试点业务探析

发布时间：2018-01-15 16:05

本文关键词：农房价格实现、位置差异与抵押贷款试点业务探析　出处：《金融理论与实践》2017年11期 　论文类型：期刊论文

【摘要】：农房抵押贷款制约因素会使农房价格扭曲,偏离实际价值,其反过来又影响并制约抵押贷款业务。通过纳入位置变量对农房主要价格指标进行分析,进而将抵押贷款试点业务划分为三个区域:意愿区、纠结区和排斥区,探析不同区域的业务特点和模式。同时还分析了农房抵押贷款业务的价格约束条件,得出推动农房抵押贷款试点业务的关键在于确保农房处置价格能够实现,并与市场价格偏离度不大等结论。最后,提出了针对性的政策建议。
[Abstract]:The restriction factors of agricultural house mortgage loan will distort the price of agricultural house and deviate from the real value, which in turn will affect and restrict the mortgage loan business. Then the experimental mortgage loan business is divided into three regions: willing zone, entangled area and exclusion area, and analyzes the business characteristics and modes of different regions. At the same time, it also analyzes the price constraints of the agricultural house mortgage business. The key to promote the pilot business of agricultural house mortgage loan is to ensure that the price of agricultural house disposal can be realized, and the degree of deviation from market price is not so far. Finally, the corresponding policy suggestions are put forward.
【作者单位】：中国人民银行梅州市中心支行;
【分类号】：F301.3;F832.4
【正文快照】： 刘树新(中国人民银行梅州市中心支行,广东梅州514021)一、引言自2015年底全国59个县(市、区)开展农房抵押贷款试点业务以来,虽然业务量进展比较快,但是仍然面临一些重大障碍。一是法规制约。试点地区暂时调整了《物权法》《担保法》中农村集体所有宅基地使用权不得抵押的规定,

【相似文献】