河南省农村金融抵押贷款现状分析及对策

Situation Analysis and Countermeasures of Rural Finance Mortgage in Henan

为解决河南省农村经济发展过程中出现的融资难问题,采用文献收集和实地问卷调查的方法对河南省农村金融抵押贷款运行状况及融合度进行调查研究。结果表明:农村金融容量缺口较大,农村贷款难、放贷难情况严重。说明,河南省农村金融抵押贷款融合度差,农民没有有效的抵押担保物,金融机构贷款风险无法规避。建议以物权确权颁证为突破口,发掘出农村实物产权应有的价值,促进资金流向农村地区,以加快农村经济和农业产业的发展。

The running state and integration of rural finance mortgage were investigated by literature collection and questionnaire survey to solve the problem of financing difficulty during rural economical development in Henan. The results showed that there was serious mortgage difficulty and lending difficulty because of great rural finance insufficiency and the mortgage risk of financial institutions could not be avoided because farmers had no effective collateral, which resulted in poor integration of rural finance mortgage in Henan. The author suggests that the property right certificate can be selected as a breakthrough to explore the due value of rural physical property, improve the fund flow from urban area to rural area for development of rural economics and agricultural industry.