推进农民住房财产权抵押贷款的实践和前景——基于浙江丽水1800户农村居民调查  

The Practice and Prospect of The Rural House Mortgage——Based on an Investigation of 1800 Rural Families

作　　者：陈明亮[1] 叶银龙[1] 金晓芳[1] 殷斯霞[1] 

机构地区：[1]中国人民银行丽水市中心支行,浙江丽水323000

出　　处：《浙江金融》2017年第9期67-72,共6页Zhejiang Finance

摘　　要：农村住房是农民手中最主要的资产,通过农民住房财产权抵押贷款创新,能有效撬动农村地区大额信贷资金投放。为有效推进农民住房财产权抵押贷款业务扩面增量提质并形成可复制的创新样板,本文以浙江丽水为例对此开展了调查分析。结果显示,丽水作为全国农村金融改革试点市和"两权"抵押贷款试点地区,在农房抵押贷款业务方面具有良好基础并取得积极进展,未来发展存在较大空间,但需要在配套机制等方面继续健全完善。Rural house is the farmers＇ main asset. Rural house mortgage can effectively expand the rural credit market. In order to promote rural house mortgage service, this article take an investigation based on Lishui, Zhejiang Province. The result demonstrates that Lishui has good foundation and prospect in developing rural house mortgage service, but it is necessary to complete relevant regulations to take progress.

关 键 词：农民住房财产权 “两权”抵押贷款 金融改革 

分 类 号：F830.5[经济管理—金融学]