农村宅基地使用权抵押贷款问题研究

Research on Mortgage Loan for Rural Land Use Right

在"乡村振兴"的政策背景下,我国宅基地抵押贷款制度的欠缺已经成为制约农村经济发展的重要因素。结合当前宅基地使用权抵押贷款的现状,针对农村宅基地抵押贷款存在的种种困难,需要从建立健全的宅基地估价体系、完善宅基地抵押贷款制度、健全农村社会保险制度和贷款保障机制以及提高农村金融机构的风险防范力等方面进一步完善宅基地抵押贷款机制。

Under the policy background of"rural revitalization",the deficiency of homestead mortgage loan system in China has become an important factor restricting the development of rural economy.Based on the current situation of the mortgage loan of the right to use the homestead and in view of the difficulties existing in the mortgage loan of the rural homestead,we need to establish and perfect the evaluation system of the homestead,perfect the mortgage loan system of the homestead,perfect the rural social insurance system and the loan guarantee mechanism,and improve the risk prevention ability of the rural financial institutions.And other aspects to further improve the homestead mortgage loan mechanism.