武陵山片区农村金融创新实证研究——以麻阳县“五权”抵押贷款模式为例

An Empirical Study of Rural Financial Innovation in Wuling Mountain Area——A Case Study of the“five rights”Mortgage in Mayang County

农村的发展离不开金融的服务和创新,但目前武陵山片区农村金融创新却面临许多难题。以麻阳县"五权"抵押贷款模式为例,发现资产确权登记工作滞后,产权抵押贷款放款慢、限制多,承担贷款的金融机构单一,放贷风险大,风险处置难等问题已经成为制约该模式推广发展的主要瓶颈,提出相应的对策,为农村金融创新提供有益的参考和建议。

Rural development is inseparable from the financial services and innovation,but the rural financial innovation in the Wuling mountain area is faced with many challenges. The article explores Mayang County＂ five rights＂ mortgages mode, asset indeed the right registration lag,property mortgage loans slow,more restrictions,lending financial institutions bear a single,large lending risk. The author holds that there are difficult issues such as risk management. It has become a major bottleneck restricting the development. The author points out the causes and provides a useful reference for rural financial innovation.