宅基地使用权抵押的困境与路径完善研究  

Research on the Dilemma and Path Improvement of the Mortgage of the Right to use Homestead

作　　者：李会勋[1] 赵美玉 LI Hui-xun;ZHAO Mei-yu(School of Humanities and Law,Shandong University of Science and Technology,Qingdao Shandong 266590,China)

机构地区：[1]山东科技大学文法学院,山东青岛266590

出　　处：《华北理工大学学报（社会科学版）》2023年第2期7-12,共6页Journal of North China University of Science and Technology(Social Science Edition)

基　　金：教育部人文社会科学研究青年基金项目“合宪性审查视阈下行政规范性文件审查机制研究(20YJC820022)”;中国博士后基金面上项目“保障性住房产权模式研究(2017M612238)”。

摘　　要：2022年“十四五”推进农业农村现代化规划指出,要积极盘活利用农村闲置宅基地和闲置住宅,为农村宅基地使用权的抵押指明了方向,全国多个试点地区进行了实践探索。目前我国宅基地使用权抵押存在着抵押主体范围小、申请抵押难度高、宅基地价值评估不到位、风险防范机制不完善等问题。应从完善相关法律、扩大抵押主体范围、放宽申请抵押的条件、完善宅基地价值评估标准及完善风险防范机制等五个方面来破解宅基地使用权抵押的困境,以提高农民抵押积极性,充分发挥宅基地的财产价值。The"Fourteenth Five Year Plan"to promote agricultural and rural modernization in 2022 pointed out that we should actively use idle rural homestead and idle housing,pointing out the direction for the mortgage of the right to use rural homestead,and many pilot areas throughout the country carried out practical exploration.At present,there are some problems in the mortgage of the right to use the homestead in China,such as the small scope of the mortgage subject,the high difficulty in applying for mortgage,the inadequate evaluation of the homestead value,and the imperfect risk prevention mechanism.The dilemma of mortgage of the right to use house site should be solved from five aspects:improving relevant laws,expanding the scope of mortgage subject,relaxing the conditions for applying for mortgage,improving the evaluation standard of house site value and improving the risk prevention mechanism,so as to improve the enthusiasm of farmers for mortgage and give full play to the property value of house site.

关 键 词：三权分置 宅基地使用权 抵押 农村经济 

分 类 号：D922.32[政治法律—法学]