摘要
农村"三权"资产抵押贷款,是农村金融工具的创新,有效地盘活了农村沉睡的资产。文章以重庆为例,从制度困境和现实障碍的视角,深入地剖析了农村"三权"资产抵押贷款存在的评估费用高、抵押物估值难、三权要素市场不规范、风险保障机制不合理等主要问题,并从建立抵押物估值制度、建立健全风险分担机制、完善配套机制、创新产权抵押融资产品等方面,提出对策建议。
Rural "three rights" assets mortgage loan is the innovation of rural financial instruments effectively revitalizing the sleepy rural assets. This study took Chongqing as an example, from the perspective of institutional predicament and practical barriers, to make an in-depth analysis of Chongqing rural "three rights" assets mortgage loans. There were some main problems, the evaluation of high cost of collateral valuation was difficult, the three components in the market were not standardized, risk guarantee mechanism was reasonable. This paper put forward corresponding policy recommendations, such as to establish a collateral valuation system, to establish and improve the risk sharing mechanism, to improve the supporting mechanism, and to innovate the property mortgage financing products.
出处
《浙江万里学院学报》
2016年第4期18-22,共5页
Journal of Zhejiang Wanli University
关键词
“三权”资产抵押贷款
风险分担机制
补偿机制
"Three rights" assets mortgage
risk sharing mechanism
compensation mechanism