本文選題：宅基地使用權(quán) + 抵押��； 參考：《南京社會科學》2017年03期

【摘要】：允許宅基地使用權(quán)抵押,在法理論、法技術和法政策層面均可得到充分支持。在宅基地使用權(quán)抵押的法律關系中,抵押人并非獨立于自然人的主體——“農(nóng)戶”,而是特定農(nóng)戶的全體家庭成員;客體應以登記確權(quán)的宅基地為限,并應遵循“房地一致”原則;抵押權(quán)人不應局限于金融機構(gòu)。在宅基地使用權(quán)抵押的運行中,為疏解宅基地流轉(zhuǎn)和耕地保護的矛盾,應當對超標宅基地抵押進行限制,并增設“新增宅基地抵押冷卻期”制度。為平衡銀行貸款風險和農(nóng)民宅基地抵押經(jīng)濟價值,抵押權(quán)實現(xiàn)時,應當將不同實現(xiàn)方式層次化對待,并逐步拓寬受讓人范圍。同時應當設立風險基金作為宅基地保障功能的初步替代,并應鼓勵采取信用保險與保證保險等保險方式為農(nóng)戶增信。
[Abstract]:Allow homestead right to use mortgage, in the legal theory, legal technology and legal policy level can be fully supported. In the legal relationship of mortgage of the right to use the homestead, the mortgagor is not the main body independent of the natural person-"peasant household", but all the family members of the particular peasant household, and the object should be limited to the homestead where the right of registration is confirmed. And should follow the "premises consistent" principle; mortgagee should not be limited to financial institutions. In order to solve the contradiction between the circulation of homestead and the protection of cultivated land in the operation of the mortgage of the right to use the homestead, we should restrict the mortgage beyond the standard, and add the system of "the cooling-off period of the new mortgage of the homestead". In order to balance the risk of bank loan and the economic value of peasants' homestead mortgage, different ways of realization should be treated hierarchically and the scope of transferee should be widened gradually when the mortgage is realized. At the same time, risk fund should be set up as the primary substitute for the function of homestead protection, and credit insurance and guarantee insurance should be encouraged to increase the credit for farmers.
【作者單位】： 中南財經(jīng)政法大學法學院;武漢大學民商事法律科學研究中心;
【分類號】：922.3

【共引文獻】

相關期刊論文 前10條

1 李向輝;楊挺;夏建龍;;脊髓型頸椎病影像學表現(xiàn)對療效及手術方式選擇的影響[J];現(xiàn)代中西醫(yī)結(jié)合雜志;2011年19期

2 郭寧原;張R，

本文編號：1924717