农村土地制度改革背景下的宅基地使用权抵押问题研究

Study the Problem on Mortgage of the Right to Use Rural Homestead under the Background of the Reform of Rural Land System

具有中国特点的农村宅基地制度设立之初具有鲜明的福利色彩,随着社会经济发展,宅基地制度的保障功能逐渐萎缩,财产性凸显,如何更好保障农民权益,这需要还原农村宅基地制度的本质意义,准许农民将宅基地使用权抵押贷款,同时应从立法及配套措施建设两个方面入手,建立及完善宅基地使用权抵押制度。

The establishment of the rural residential land system with Chinese characteristics has a welfare color, with the economic development,the protection function of the system of homestead right of use is gradually shrinking,Property highlights.How to better protect the rights and interests of farmers,this needs to restore the essential meaning of the rural homestead,allowing farmers to mortgage the land use rights.At the same time, we should start with the two aspects of legislation and supporting measures,to establish and perfect the system of the mortgage of the right to use the homestead.