我国农民住房财产权抵押价格评估研究  

Study on the Mortgage Price Assessment of Farmers' Housing Property Right in China

作　　者：王爱国[1,2] 

机构地区：[1]重庆行政学院公共管理学教研部 [2]重庆国土资源可持续发展与创新研究会

出　　处：《价格理论与实践》2017年第5期57-60,共4页Price:Theory & Practice

基　　金：国家社科基金项目"土地产权制度改革与土地金融发展的制度基础和经济效应研究"(14XJL003);重庆行政学院校级课题"重庆市农村产权抵押融资环境研究"(CQDX2015A-005)资助

摘　　要：运用地租资本化评估地价必须以活跃的土地和金融市场为前提。当前我国最适用的评估方法是成本逼近法,国内试点地区主要采取了直接抵押、间接抵押、担保抵押和隐形抵押等四种模式。本文从地租地价理论视角,分析了农民住房财产权抵押价格评估方法及不同模式下的农民住房财产权抵押价格,最后提出我国农民住房财产权抵押价格评估需要从廓清障碍因素、构建评估制度等方面加以完善。Active land and financial market is the precondition to assess the land price from capitalization of land rent. In China, the mortgage price assessment to farmers＇ housing property rights must follow the principles, such as integration of land and house, protection of the farmers＇ interests and risk management. The most suitable assessment method is the cost approach now. There are four modes in pilot areas, namely direct mortgage, indirect mortgage, guaranteed mortgage and invisible mortgage. The price of guaranteed mortgage mode is low because of security cost, but it can reduce the risk and reduce the financial institutions＇ worry. The mortgage price assessment of farmers＇ housing property in China needs to improve from finding out obstacles, analyzing the pilot experience and building evaluation system.

关 键 词：地租地价理论 农民住房财产权 抵押模式 抵押价格 

分 类 号：F302.6[经济管理—产业经济] F321.1F832.4