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The Rural “Two Rights” Mortgage Loans: Practice and Exploration,Experiences and Path Design——Based on the Perspective of Jiuquan in Gansu Province
Pages: 79-82
Year: Issue:  5
Journal: Xi'an Finance

Keyword:  rural finance"Two Rights" Mortgage Loans;
Abstract: Rural land contractual management right and farmers housing property right(hereinafter referred to as"two rights") is the most important means of production in the rural areas, and is also the farmers’ most important property with potential value. In the framework of the existing laws and regulations, how to steadily promote the approval, transfer, guarantee and mortgage of rural"two rights"is of great significance to revitalize rural idle resources effectively, activate rural property right transaction and financial market. Since the 18 th Central Committee of the Communist Party of China, a series of new guiding policy documents have been issued by the central government in view of the rural land property rights system reform. The third plenary session of the 18 th CCCPC clearly put forward that"granting farmers to possess, use, get income from, transfer contracted land and contractual management mortgage right and guarantee right","reforming and improving the system of rural house-site, and prudentially and steadily pushing farmers housing property mortgage, guarantee and transfer". The statement of the policy not only points out the direction of carrying out the pilot reform of rural property right system and the mortgage financing reform, but also releases huge bonuses for the rural economic and financial development, and also provides an important opportunity for banks to expand rural credit markets, and describes a beautiful vision for China’s urban and rural harmonious development. Two years after the policy was issued, the practice of"two rights"mortgage loan in rural areas of Jiuquan was investigated, and the experiences of this kind of business model in other domestic provinces were summarized. In the end, the paper puts forward the implementation path of"two rights"mortgage loan business in underdeveloped rural areas.
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