农房抵押贷款与宅基地流转的协同发展:耗散结构理论视角  

The Coordinated Development of Rural Housing Mortgage and Homestead Transfer:From the Perspective of Dissipative Structure Theory

作　　者：朱健齐 邓伟华 米运生[2] ZHU Jian-qi;DENG Wei-hua;MI Yun-sheng(Foshan University,Foshan 528225;South China Agricultural University,Guangzhou 510642,China)

机构地区：[1]佛山科学技术学院经济管理学院,广东佛山528225 [2]华南农业大学经济管理学院,广东广州510642

出　　处：《江西财经大学学报》2023年第4期105-117,共13页Journal of Jiangxi University of Finance and Economics

基　　金：国家社会科学基金重大项目“乡村振兴与深化农村土地制度改革研究”(19ZDA115)。

摘　　要：将农房抵押贷款纳入宅基地“三权分置”改革的大盘子统筹考虑,是盘活闲置宅基地与农房资源、显化宅基地财产功能的重要措施。宅基地流转作为“三权分置”改革的核心议题,其与农房抵押贷款的密切关联鲜有被关注。基于耗散结构理论,探讨农房抵押贷款与宅基地流转市场协同发展的内在逻辑、必要性与实现路径,并通过湖南省浏阳市的实践经验加以论证。研究发现:农房抵押贷款的奏效,关键在于通过“三权分置”改革明晰并强化宅基地的占有权与处置权,削弱宅基地与农房的资产专用性以及由此带来的“套牢效应”,进而培育活跃的流转市场;宅基地流转市场的发展潜力在于社会资本,其引入需要农房抵押贷款作为支撑。换言之,农房抵押贷款子系统需与宅基地流转子系统协同发展,才能够形成宅基地系统的耗散结构。为减少子系统间的摩擦,降低交易成本和撮合交易对象,农村集体经济组织应发挥资源调配功能,做实其在宅基地制度改革中闲置资源收储和社会资本引入等职能。Taking the rural housing mortgage(RHM)into the overall consideration of the"Three Rights Separation"reform(TRSR)of homestead is an important measure to revitalize the idle homestead and rural housing resources and manifest the property function of the homestead.As the core issue of the TRSR,the close relationship between homestead transfer(HT)and RHM has been ignored.Based on the theory of dissipative structure,this paper theoretically discusses the internal logic,the necessity and the realizing path of the coordinated development between RHM and HT,and demonstrates it through the practical experience of Liuyang city,Hunan Province.The results show that the key to the success of RHM is to clarify and strengthen the possession and disposal power of the homestead through the TRSR,to weaken the asset specificity of the homestead and the rural housing and the resulting"hold-up effect",so as to cultivate an active transfer market.The development potential of homestead transfer market lies in the social capital,and its introduction needs the support of RHM.In other words,the subsystem of RHM needs the coordinated development with the subsystem of HT to form the dissipative structure of the homestead system.In order to reduce the friction between the subsystems,reduce the transaction costs and match the transaction objects,the rural collective economic organizations should give full play to their function of resource allocation,fulfill their functions of collecting and storing idle resources,and introduce social capital in the homestead system reform.

关 键 词：农房抵押贷款 宅基地流转 宅基地“三权分置” 耗散结构理论 

分 类 号：F320[经济管理—产业经济]