农村宅基地抵押融资信用风险防范研究:基于横向监督的视角

Research on Credit Risk Prevention of Rural Homestead Mortgage Financing:Based on the Perspective of Horizontal Supervision

农村宅基地抵押融资有助于缓解农户的融资约束。但与此同时,试点地区金融机构面临的信用风险问题也不容忽视。本文首先从抵押物、农户和金融机构三个层面对农村宅基地抵押融资信用风险的成因进行分析。在此基础上,本文分析了横向监督机制在金融机构防范农村宅基地抵押融资信用风险的作用,数理模型分析结果亦表明引入利益相关的第三方组织即横向监督者有助于金融机构防范信用风险,而且横向监督者惩罚力度的大小和不同惩罚方式的选择都可能对信用风险造成影响。最后,本文从合理选择第三方组织、提升横向监督者对农户惩罚敏感度的识别能力以及有效设置惩罚力度等方面提出了相应的对策建议。

Rural homestead mortgage financing helps ease the financing constraints of farmers.However,at the same time,the credit risk problems faced by financial institutionsinpilot areascannot be ignored.Firstly,the dissertation analyzes the causes of credit risk in mortgage financing for rural homesteads from three aspects:mortgages,farmers and financial institutions.On this basis,the role of the horizontal supervision mechanism in preventing financial institutions from credit risk in mortgage financing for rural homesteads was analyzed.Mathematical model analysis confirmed thepositiveroleofthe horizontal supervision mechanism.Moreover,the penalties intensity of horizontal supervisors and the choice of different penalties methods may have an impact on credit risk.Finally,the paper gives the corresponding countermeasures and suggestions.