山东省农村土地金融发展思路与运作模式研究

发布时间：2018-03-13 00:31

本文选题：土地金融　切入点：运行机制　出处：《山东大学》2015年硕士论文　论文类型：学位论文

【摘要】：“三农”问题依然是我国社会主义现代化建设中需要着力解决的问题。长期以来存在的城乡二元化结构,使得农村资源和资金单向流向城市,内源性金融严重不足,严重制约了我国农业的发展、农村市场的开发以及农民生活水平的提高。十八届三中全会的相关规定,强化了农民对土地的使用权和承包权,赋予了农村土地的金融属性,这样的背景奠定了土地金融发展的基石。而山东省是我国的农业大省,以发展土地金融带动整个山东省经济的发展,具有十分重要的现实意义。在这样的发展背景下,本文着力探讨山东省农村土地金融发展思路及其运作模式。首先总结目前山东农村土地金融发展过程中存在的问题,包括体系结构单供需不匹配、措施落实不到位以及管理创新不到位等多个方面,同时借鉴德国、美国、日本等国外土地金融发展模式的先进经验,从土地金融机构、资金来源、主要业务以及风险补偿机制等方面对比归纳国外土地金融发展模式,结合我国目前存在的土地金融制度模式进行分析,充分考察贵州湄潭模式、宁夏平罗模式、重庆江津模式和山东枣庄模式的运行特点,为山东省农村土地金融的模式提供发展思路及政策建议。对于山东省农村土地金融的具体的政策建议,主要从以下几个方面进行阐述说明：第一,加快推进农村土地产权制度改革,其中重点关注推进农村产权流转交易、发展土地股份合作社、支持农村土地承包经营权自愿退出和重新承包以及深化农民宅基地管理制度改革；第二,积极完善农村土地产权抵押融资制度,其中重点关注开展农村“三权”抵押登记、发展农村土地产权抵押融资、建设农村土地质押流转市场、加快建设统一的城乡建设用地市场试点以及建设农民土地抵押贷款合作社；第三,大力支持农村土地金融创新,重点关注大力发展土地银行、土地债券、土地信托、土地金融支付结算以及土地社保；第四,逐步健全农村土地金融风险管控体系,其中重点关注健全农业保险体系、联保增信体系、信用担保机制、农地金融风险补偿机制以及风险监管机制；第五,建立健全保障体系,其中重点关注强化调查研究、健全相关机构、实施评估考核、完善政策体系以及强化信息宣传。
[Abstract]:The problem of "agriculture, countryside and farmers" is still a problem that needs to be solved in the socialist modernization construction of our country. For a long time, the dual structure of urban and rural areas has made rural resources and funds flow one-way to the cities, and the endogenous finance is seriously insufficient. The development of agriculture in China, the development of rural markets and the improvement of farmers' living standards have been seriously restricted. The relevant provisions of the third Plenary session of the 18 CPC Central Committee have strengthened farmers' right to use and contract land, and endowed rural land with financial attributes. This background has laid the foundation stone for the development of land finance. Shandong Province is a big agricultural province in our country. It is of great practical significance to develop land finance to promote the development of the whole economy of Shandong Province. This paper focuses on the development of rural land finance in Shandong Province and its operation mode. Firstly, it summarizes the problems existing in the development of rural land finance in Shandong Province, including the mismatch between supply and demand of single supply and demand of system structure. The measures are not in place and the management innovation is not in place. At the same time, we can learn from the advanced experiences of foreign land finance development models such as Germany, the United States, Japan, and so on, from the land financial institutions and the sources of funds. The main business and risk compensation mechanism are compared to sum up the foreign land finance development model, combined with the existing land finance system model in China to carry on the analysis, the full inspection Guizhou Meitan model, Ningxia Pingluo model, The operating characteristics of Jiang Jin model in Chongqing and Zaozhuang mode in Shandong Province provide the development ideas and policy suggestions for the rural land finance model in Shandong Province. Mainly from the following aspects to explain: first, accelerate the reform of rural land property rights system, which focuses on the promotion of rural property rights circulation transactions, the development of land stock cooperatives, Supporting the voluntary withdrawal and recontracting of rural land contractual management right and deepening the reform of rural homestead management system; second, actively improving the rural land property right mortgage financing system, in which the focus is on carrying out the "three rights" mortgage registration in rural areas. Develop rural land property rights mortgage financing, build rural land mortgage circulation market, speed up the construction of a unified urban and rural construction land market pilot projects and the construction of farmers' land mortgage loan cooperatives; third, vigorously support rural land finance innovation, Focusing on the development of land banks, land bonds, land trusts, land financial payments and settlements, and land social security; and 4th, gradually improving the rural land financial risk management system, with emphasis on improving the agricultural insurance system, In 5th, a sound security system was established, in which emphasis was placed on strengthening investigation and research, improving relevant institutions, and carrying out evaluation and assessment. Perfect the policy system and strengthen the information propaganda.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F321.1;F832.4

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