农房抵押物处置相关法律问题研究——以温州为例  

The Study on the Legal Related to Rural Housing Disposal——Taking Wenzhou as an Example

作　　者：周智[1] 陈斌杰 杜鑫星 

机构地区：[1]中国人民银行温州市中心支行,浙江温州325000

出　　处：《浙江金融》2018年第1期74-80,共7页Zhejiang Finance

摘　　要：农房抵押物处置是农房抵押货款试点工作的核心。本文首先梳理了农房流转主要观点及立法现状。其次,从抵押物处置的视角出发,认定限制流转对农房价值评估、腾空拍卖、变更登记等方面造成不利影响。再次,通过抵押农房处置在温州地区的实践,总结温州在处置抵押物和农房流转方面的特色做法及成效,探讨"温州经验"在全国范围复制推广的可行性。最后,通过修改完善宅基地流转法律法规等,为农房抵押贷款试点提供强有力的基础保障。The disposal of housing mortgage is the core issue of the pilot.This paper firstly combs the current view and legislation status about the circulation of farmhouse.Secondly,we think that restricting the circulation will have an adverse effects on farmhouse’s value assessment,vacated,auction,change of registration,which from the perspective of the disposal of collateral.Thirdly,this paper summarizes the characteristics and effectiveness of disposing of collateral and farmhouse circulation on the basis of the practice in Wenzhou.And we discuss the feasibility of‘Wenzhou experience’in the nationwide reproduction and promotion.Finally,we recommend to improve the laws and regulations of farmhouse’s circulation,which provide a strong basis and protection for the the rural housing mortgage pilot.

关 键 词：农房流转 抵押 法律法规 

分 类 号：F832.4[经济管理—金融学]