担保抵押制度改革与农村金融产品及服务创新  

Secured Transaction Reform and Rural Financial Innovation

作　　者：马九杰[1] 周向阳[1] 陆建云 

机构地区：[1]中国人民大学农业与农村发展学院,北京100872 [2]农信银资金清算中心,北京100011

出　　处：《沈阳农业大学学报（社会科学版）》2011年第6期659-665,共7页Journal of Shenyang Agricultural University(Social Sciences Edition)

基　　金：教育部哲学社会科学重大课题攻关项目(07J ZD0009);国家社会科学基金重点项目(08AJ Y027);高等学校博士学科点专项科研基金(20090004110004)

摘　　要：论述了担保抵押制度改革的必要性,介绍了相关国际组织在推动各国进行担保交易制度改革方面所做的工作,总结了近年来中国在动产担保抵押制度改革与金融创新取得的进展以及主要动产抵押方式、金融创新机制、影响等,并以山东省枣庄市和福建省屏南县为例,分析了农村土地使用权抵押制度变革为基础的金融创新经验模式、机制和效果等。The importance of secured transaction reform was analyzed for expansion of access to finance in the Chinese rural areas.The international background of the collateral law and registry reform especially in developing countries and emerging economies was introduced.Both the practices and cases on the secured transaction reform and its impact on rural financial innovation and rural financial supply were analyzed.And a qualitative study on land collateral reform and its reform was made based on the cases from Zaozhuang,a city in Shandong province and Pingnan,a county in Fujian province.

关 键 词：动产抵押制度 农村金融创新 土地抵押 金融供给 信贷可得性 

分 类 号：F832.21[经济管理—金融学] D923.2[政治法律—民商法学]