成都市温江区农户宅基地使用权抵押意愿影响因素研究

发布时间：2018-04-24 15:47

本文选题：温江区 + 农村宅基地　；参考：《四川农业大学》2015年硕士论文

【摘要】：随着我国市场经济的发展及城乡人地关系格局的变化,宅基地的资产价值逐步凸现,但现行法律对宅基地的严格流转限制却使其难以发挥资产效用。与此同时,三农发展却面临着资金匮乏的难题,农户由于缺乏有效抵押品而导致金融机构支农力度普遍不足。宅基地作为农民手中一项重要资产,探索宅基地使用权的抵押流转是当前盘活农村土地资产、增加农民土地财产收入的可行路径。成都市温江区是四川省确定的首批农村产权抵押融资试点县；十八届三中全会关于“试点农民住房财产权抵押”以及中国人民银行等金融机构关于“探索宅基地使用权抵押”等政策也为此提供了支持。农户作为宅基地使用权主体,其意愿是推动宅基地使用权抵押的重要因素,因此本研究对制定出符合农户需求的宅基地使用权抵押政策具有重要现实意义。本文采用系统分析法、问卷调查法以及比较分析等方法,首先对温江区的宅基地使用权抵押现状进行研究；并以温江区的农户调查问卷为样本数据,对农户的宅基地使用权抵押意愿进行分析。在此基础上,建立Logistic模型,定量分析农户特征、拥有宅基地状况、宅基地产权认知、农地金融供给等4大类变量对农户宅基地使用权抵押意愿的影响；最后,提出完善温江区宅基地使用权抵押工作的对策建议。本文的主要研究结论：(1)温江区的宅基地使用权抵押是以农房抵押试点为突破口的,建立了从农户申请、宅基地及房屋产权价值评估、签订合同、贷款发放及管理到抵押物处置等一整套操作程序,并从宅基地及房屋确权颁证、构建担保体系、拓宽抵押物处置途径等方面构建了一系列配套措施；(2)对温江区的调查问卷显示,农户进行宅基地使用权抵押的意愿并不高,有抵押意愿的农户仅占样本总数的39.3%,当前政策并未充分调动起农户参与积极性；(3)农户宅基地使用权抵押意愿受多种因素影响：户主受教育程度、兼业类型、享受社保水平、拥有宅基地数量、是否希望有担保机构提供担保、土地价值评估方式等变量对农户意愿有显著正向影响：宅基地距中心城区距离、对宅基地能否自由处置的认知、融资方式倾向、对贷款利率敏感程度等变量对农户意愿有显著负向影响。(4)为了促进温江区农户宅基地使用权抵押工作的进一步开展,应加大对金融机构的政策支持、创新农地产权抵押担保体系、构建科学的土地价值评估体系、提高农村居民社会保障水平以及在城郊发达地区先行试点。
[Abstract]:With the development of the market economy and the change of the relationship between urban and rural people and land, the value of the homestead assets appears gradually, but the strict circulation restriction of the current law makes it difficult to exert the utility of the homestead. At the same time, the development of agriculture, rural areas and farmers is faced with the problem of lack of funds, because of the lack of effective collateral, the financial institutions generally lack support for agriculture. As an important asset in the hands of farmers, homestead is a feasible way to activate rural land assets and increase farmers' land property income by exploring the mortgage circulation of homestead use right. Wenjiang District of Chengdu is the first rural property right mortgage financing pilot county determined in Sichuan Province. The third Plenary session of the 18th CPC Central Committee also provided support for the policies on "housing property rights mortgage for pilot farmers" and for financial institutions such as the people's Bank of China on "exploring the right to use homestead mortgage." As the main body of homestead use right, the willingness of farmers is an important factor to promote the mortgage of homestead use right. Therefore, this study has important practical significance to formulate the mortgage policy of homestead use right in accordance with the needs of farmers. In this paper, the methods of systematic analysis, questionnaire and comparative analysis are used to study the current situation of the mortgage of the right to use the homestead in Wenjiang District, and the questionnaire of the farmers in Wenjiang District is taken as the sample data. This paper analyzes the willingness of the farmers to mortgage the right to use the homestead. On this basis, establish Logistic model, quantitative analysis of the characteristics of farmers, homestead status, homestead property rights cognition, farmland financial supply and other four variables on the homestead mortgage willingness of farmers; finally, Put forward the countermeasures and suggestions to perfect the mortgage work of house land use right in Wenjiang District. The main conclusion of this paper is that the mortgage of the right to use the homestead in Wenjiang District is based on the agricultural house mortgage as a breakthrough point, and has established a contract from the application of the farmers, the valuation of the homestead and the property right of the house, and the signing of the contract. A whole set of operation procedures, such as loan issuance and management to mortgage disposal, and a series of supporting measures from the aspects of homestead and house right certification, construction of guarantee system, and widening of ways to dispose of mortgage, etc., have been constructed, and a questionnaire survey on Wenjiang District has been carried out. The willingness of farmers to mortgage the right to use the homestead is not high. The current policy does not fully arouse the enthusiasm of the farmers to participate in the right to use the homestead mortgage will be affected by many factors: the education level of the head of household, the type of concurrent employment, the level of social security. The number of homestead, whether the guarantee agency is expected to provide the guarantee, the land value evaluation method and other variables have a significant positive impact on the willingness of farmers: the distance from the Homestead to the central city, the cognition of whether the Homestead can be disposed of freely. In order to promote the further development of the right to use the homestead of farmers in Wenjiang District, we should increase the policy support to the financial institutions. We should innovate the guarantee system of farmland property right mortgage, construct a scientific land value evaluation system, improve the social security level of rural residents and pilot projects in the developed areas in the suburbs.
【学位授予单位】：四川农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F321.1;F832.43

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