农村土地经营权抵押贷款风险评价及防范——基于贷款供给方视角  

Evaluation and Prevention of Mortgage Loan Risk of Rural Land Management Right:From the Perspective of the Loan Provider

作　　者：杨彩林 曹秋菊 陈胜美 YANG Cai-lin;CAO Qiu-ju;CHEN Sheng-mei(School of Public Finance,Hunan University of Technology and Business,Changsha 410205,China;School of Economics and Trade,Guangxi University of Finance and Economics,Nanning 530003,China;Guangdong Development Bank,Changsha Branch,Changsha 410005,China)

机构地区：[1]湖南工商大学财政金融学院,长沙410205 [2]广西财经学院经济与贸易学院,南宁530003 [3]广发银行长沙分行,长沙410005

出　　处：《云南财经大学学报》2021年第12期71-82,共12页Journal of Yunnan University of Finance and Economics

基　　金：国家社会科学基金项目“农村土地经营权抵押贷款风险防控研究”(19BJY159);湖南省社会科学基金项目“湖南省农村土地承包经营权抵押贷款风险及其防控机制研究”(16YBA244)。

摘　　要：农村土地经营权抵押贷款在试点中日渐凸显的风险已成为金融机构惜贷、惧贷的重要原因,也是其业务发展慢、推广难的首要障碍。通过走访、咨询、问卷调查及对试点地区已出现的风险案例的分析,把农村土地经营权抵押贷款风险从金融机构的视角识别为制度风险、经营风险、抵押物风险、金融风险,并从理论上深入剖析这些风险的引致因素;用层次分析法构建风险评价指标体系与风险因素层次结构模型,对各类风险及其引致因素进行评估;最后依据理论与实证分析的结论,提出相应的风险防范对策,以期为金融机构有效防范农村土地经营权抵押贷款业务风险提供借鉴与参考。The increasingly prominent mortgage loan risk of rural land management right in the pilot regions has become an important reason for financial institutions to be reluctant to lend and be afraid of lending,as well as the primary obstacle for the slow development and difficult promotion of the business.By carrying out visiting,consulting,questionnaire survey and the analysis of existing risk cases in pilot regions,the mortgage risk of rural land management rights is identified as institutional risk,operation risk,collateral risk and financial risk from the perspective of financial institutions,and the causes of these risks are deeply analyzed theoretically.Analytic hierarchy process is used to construct index system of risk evaluation and risk factor hierarchical structure model,so as to evaluate all kinds of risk and the causes of the factors.Finally,on the basis of the theoretical and empirical conclusions,corresponding countermeasures are put forward to prevent the risks,aiming to provide references for financial institutions to effectively prevent the mortgage loan risks of rural land management right.

关 键 词：农村土地经营权 抵押贷款风险 层次分析法 

分 类 号：F832.43[经济管理—金融学]