农村房地产抵押贷款的风险及对策  

Risks and Countermeasures of Rural Real Estate Mortgage loan

作　　者：赵蕊 李国良[1] 辛琳 廖恒枭 ZHAO Rui;LI Guo liang;XIN Lin;LIAO Heng xiao(School of Architectural Engineering,Kunming University of Science and Technology,Kunming 650500,China)

机构地区：[1]昆明理工大学建筑工程学院,昆明650500

出　　处：《科技和产业》2018年第10期107-108,共2页Science Technology and Industry

基　　金：国家自然科学基金项目(71301175)

摘　　要：房地产作为农民最大的财富并没有发挥出其财产的最大价值,而且由于房地产的不可移动性、价值的稳定性,使其最适宜抵押,是一种良好的担保财产。但我国农村房地产因缺乏相关政策和立法保障、产权不明晰等原因,致使农村房地产抵押贷款存在极大的风险。通过分析农村房地产抵押贷款存在的问题和风险,并给出相应的对策和建议,从而能够有助于规避和防范农村房地产抵押贷款的风险。real estate as the largest wealth of farmers and did not play out the maximum value of their property, and because of the immobility of real estate, the stability of value, make it the most suitable mortgage, is a good guarantee property. However, due to the lack of relevant policies, legislative protection and unclear property rights in rural real estate, there is a great risk of mortgage loans in rural real estate. This paper analyzes the problems and risks of the real estate mortgage loan in rural areas, and puts forward the corresponding countermeasures and suggestions, which can help to avoid and prevent the risk of the real estate mortgage loan in rural areas.

关 键 词：农村房地产 抵押贷款 抵押贷款风险 产权 

分 类 号：F830[经济管理—金融学]