农村产权抵押融资的制约因素及路径选择——以重庆为例

The Restricting Factors and Paths Selection to the Mortgage Financing of the Rural Property

采用制度经济学的分析方法,对重庆农村"三权"抵押融资现状、制约因素等进行深入探索。研究发现,农村"三权"抵押融资普遍存在法律法规障碍、农民认识不足、金融机构缺失、市场机制不健全、社会保障机制不完善等问题。据此,从完善法律法规、加大金融机构支持力度、组建资产经营管理公司、完善社会保障体系4个方面提出农村产权抵押融资的路径选择。

With the system economics analysis method,this paper deeply studies the status and restricting factors about the mortgage financing of rural ＂three rights＂ in Chongqing.And then we found that the mortgage financing of the rural ＂three rights＂ have problems with legal barriers,the poor understanding of the farmers,lacking financial institutions,the imperfect market mechanism and the social guarantee mechanism.And then,we put forward four aspects of paths selection to the rural property mortgage financing：perfecting the laws and regulations,increasing financial institutions＇ support,establishing the assets management company and perfecting social security system.