农村财产抵押权实现的路径分析--基于千阳县“两权”抵押贷款的案例

农村财产抵押权实现的路径分析--基于千阳县“两权”抵押贷
款的案例
韩瑛
【期刊名称】《西部金融》
【年(卷),期】2016(000)008
【摘要】Taking Qianyang county in Baoji city of Shaanxi province as the case which carries out pilot in mortgage of land con-tract operation and forestry right called“two rights”, the paper deeply analyzes the universal characteristics and restraint factors of the realization of the rural property mortgage right. The case shows that the new agricultural business entities have strong and urgent de-mand for credits, the local corporate financial institutions have more initiative and enthusiasm in rural credit innovation, the financial innovation is the effective path to solve the contradiction between credit supply and demand, and the realization of the rural property mortgage requires multilateral collaboration and support. Therefore, the paper puts forward following suggestions such as accelerating the process of the rural property ownership, improving the circulation system of the rural property right transaction, exploring effective ways of sharing the risk of property mortgage, and promoting the innovation of the rural property mortgage financing.%本文以陕西省宝鸡市农村“两权”抵押试点县---千阳县土地承包经营权及林权抵押融资实践的案例，深入分析了农村财产抵押权实现的共性特征及制约因素。

实例反映出：新型农业经
营主体有强烈而又紧迫的信贷需求；地方法人金融机构在农村信贷创新方面具有更强的主动性和积极性；金融创新是解决农村信贷需求矛盾的有效路径；农村财产抵押的实现需要多方协作支持。

本文对农村财产抵押权实现提出以下建议：加快农村财产确权进程；健全农村财产权交易流转体系；探索财产抵押风险分担的有效途径；推动农村财产抵押融资业务创新。

【总页数】4页(P69-72)
【作者】韩瑛
【作者单位】中国人民银行宝鸡市中心支行，陕西宝鸡 721000
【正文语种】中文
【中图分类】F830.92
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