农地经营权抵押信贷风险控制研究

发布时间：2018-04-14 12:17

本文选题：农村金融 + 农地经营权　；参考：《云南财经大学》2017年硕士论文

【摘要】：从国家统计局公布的2016年多项宏观经济数据可以看到,我国2016年城镇化水平已经超过50%,我国城镇化的推进离不开农业的现代化、集约化发展,城镇化与农业的集约化发展是推进农村经济发展的两条车轮,缺一不可。而我国农业产业的发展一直以来就存在着资本流入规模低、经营者融资困难的问题。农村土地作为农业生产的基础生产资料,农地货币化的构建是当前政府所拥有的最大制度性红利,新一轮的农地产权“三权分置”改革,农地流转,农地经营权抵押是一个巨大的红利释放过程,它带来的农地货币化为农业经济的发展扩宽了融资渠道,将发挥巨大的作用。农地经营权抵押贷款作为涉农金融机构的一项新兴业务,可以有助于解决了农业生产者扩大生产“融资难”的问题,但农地经营权作为抵押物不同于普遍的房产抵押,农地经营权的特殊性形成了其抵押贷款的特殊风险。本文在对国内外农地产权抵押贷款风险控制管理研究的基础上,以地租地价理论、产权理论、农村金融理论为理论依据,从风险防范与控制角度对农地经营权抵押进行中存在的风险因素展开探讨与研究。首先沿着农村土地产权制度的发展轨迹,将其改革变迁的历史过程总结为三个主要的阶段,同时结合过往一系列有关农地的法律政策,阐述农地经营权抵押、流转的时代政策背景,明确了农地经营权抵押的内涵。然后对农地抵押业务流程中的风险点进行梳理,揭示其信贷风险的表现形式、生成机理,构建其风险评价模型。最后介绍了试点地区宁夏同心和福建明溪等试点地区的状况,通过借鉴其做法设计构建农地经营权抵押贷款风险防控机制,并针对现阶段试点实践过程中存在的法律、市场阻碍、银行自身的问题等提出相应的建议。
[Abstract]:From a number of macroeconomic data released by the National Bureau of Statistics for 2016, we can see that China's urbanization level in 2016 has exceeded 50 percent, and the promotion of urbanization in our country cannot be separated from the modernization and intensive development of agriculture.Urbanization and the intensive development of agriculture are the two wheels of promoting the development of rural economy.However, the development of agricultural industry in China has always had the problems of low capital inflow and difficult financing for managers.As the basic means of production of agricultural production, the construction of rural land monetization is the biggest institutional dividend owned by the current government.The mortgage of agricultural land management right is a huge dividend release process. The monetization of agricultural land will broaden the financing channels for the development of agricultural economy and will play a great role.As a new business of agri-related financial institutions, mortgage loan of agricultural land management right can help to solve the problem of "financing difficulty" for agricultural producers to expand production, but farmland management right is different from common real estate mortgage.The particularity of farmland management right forms the special risk of mortgage loan.On the basis of the research on the risk control and management of mortgage loan of farmland property right at home and abroad, this paper takes the theory of land rent and land price, the theory of property right and the theory of rural finance as the theoretical basis.From the angle of risk prevention and control, this paper discusses and studies the risk factors existing in the mortgage of farmland management right.First of all, along the development track of the rural land property right system, the historical process of its reform and change is summarized into three main stages. At the same time, combining with a series of laws and policies related to agricultural land in the past, the paper expounds the farmland management right mortgage.The background of the policy of circulation makes clear the connotation of the mortgage of farmland management right.Then the risk points in the agricultural land mortgage business process are combed to reveal the form of the credit risk the formation mechanism and the risk evaluation model.Finally, the paper introduces the situation of the pilot areas such as Ningxia Tongxin and Mingxi, Fujian Province, and designs and constructs the risk prevention and control mechanism of the mortgage loan of farmland management right by using its practice for reference, and aims at the existing laws in the process of the pilot practice at this stage.The market hinders, the bank own question and so on puts forward the corresponding proposal.
【学位授予单位】：云南财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F321.1

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