抵押农地权益结构优化研究

发布时间：2018-05-30 14:20

本文选题：农户权益 + 农地抵押　；参考：《西北农林科技大学学报(社会科学版)》2017年03期

【摘要】：为确保农地抵押贷款可持续发展,必须首先保障抵押权益;在规模经营抵押农地的使用权收益等于小农户农地的经营权收益的前提下,要在农地收益中最大化实现规模经营农地抵押权益,会导致承包农户失去承包财产权及其权益(失权失利)。通过构建五权分置模式并分析三权分置与五权分置的权益匹配关系、权益保障优先序与权益量化对应模式,发现它们都不能同时保障承包财产权益、抵押权益与使用权益。为保护农户承包财产权益,需要试点被处置规模经营抵押农地承包权与所有权转让,优化农地权益结构:一是允许农民向银行抵押并转让承包权,获得承包权交易收益(保利失权);二是将农村集体组织农地所有权短期转让给承包农户(保权失利);三是将农村集体组织农地所有权短期转让给承包农户,承包农户获得承包权交易收益(保权保利)。
[Abstract]:In order to ensure the sustainable development of agricultural land mortgage loan, we must first protect the mortgage rights and interests, under the premise that the income of the right to use the mortgaged farmland on a scale is equal to the income of the management right of the agricultural land of small farmers. If we want to maximize the income of farmland and realize the mortgage rights and interests of farmland management on a large scale, it will lead to the loss of contracted property rights and their rights and interests of contracted farmers. Through the construction of the five-right split structure model and the analysis of the matching relationship between the three-right split structure and the five-right split structure, it is found that both of them can not guarantee the rights and interests of contracted property, mortgage rights and use rights at the same time, and the corresponding models of priority order of rights and interests and quantification of rights and interests are found. In order to protect the rights and interests of peasant households contracted property, it is necessary to carry out the contract right and ownership transfer of mortgaged farmland on a pilot disposal scale, and to optimize the structure of farmland rights and interests: first, to allow farmers to mortgage and transfer contract rights to banks, Gains from the transaction of contract rights (loss of the right to interest; second, short-term transfer of ownership of rural collective organization agricultural land to contracted farmers; third, short-term transfer of ownership of rural collective organization agricultural land to contracted farmers; Contract farmers to obtain contract rights trading proceeds (to protect rights and interests).
【作者单位】：西安文理学院经济管理学院;
【基金】：安徽大学农村改革与经济社会发展研究项目(ADNY201503) 西安社会科学规划课题(17J113) 西安市社会科学基金“文理专项”(16WL02) 西安市科技计划“文理专项”研究项目(CXY1531WL04)
【分类号】：F321.1;F832.43

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