农村“三权”抵押贷款问题研究——基于安徽省宣城市的案例分析  

Research on Mortgage Problems of the “Three Rights”in China's Rural Areas——Based on the Case Study of Xuancheng City,Anhui Province

作　　者：高勇[1] 翟红[2] 李铭 

机构地区：[1]中国人民银行宣城市中心支行,安徽宣城242000 [2]宁波职业技术学院,浙江宁波315800 [3]黑龙江长城律师事务所,黑龙江哈尔滨150025

出　　处：《金融教育研究》2014年第5期48-52,共5页Research of Finance and Education

摘　　要：现行法律关于宅基地使用权、土地经营权、林权等农村"三权"抵押贷款的规定存在一定限制,在抵押物处置、评估手段等方面仍面临亟待解决的问题。安徽省宣城市在全国率先开展农村"三权"抵押贷款试点,为推进新型城镇化建设和社会主义新农村建设提供了有益经验。文章以宣城市243户农户的调查问卷为样本,通过Logistic回归模型分析影响农户参与农村"三权"抵押贷款意愿的各种因素,并就进一步推广"三权"抵押贷款提出有关法律政策建议。In current law,the mortgage of the rural three rights（ homestead ownership,land management right, and forest right,）has some limitations. There are still some prodlems crying out for solutions in collateral disposal mechanism and evaluation mechanism. Xuancheng is one of the first pilot cities in our country,it carries out mort-gage financing of rural three rights,provides precious experience for duilding a new socialist countryside and promo-ting the urdanization process. In addition,dased on the questionnaires of 243 farmers as sample data,this paper a-nalysis the various factors affecting farmers to participate in the mortgage of the“Three Rights”,and provides some policy recommendations for promoting the“Three Rights”mortgage.

关 键 词：宅基地使用权 土地经营权 林权 抵押贷款 Logistic回归 抵押贷款意愿 

分 类 号：F830.5[经济管理—金融学]