【摘要】：農(nóng)戶“三權(quán)”包括林權(quán)，宅基地使用權(quán)以及土地承包經(jīng)營權(quán)三方面的內(nèi)容。長期以來，“三權(quán)”僅僅作為一種維持農(nóng)民生活的形式而存在，“三權(quán)”資源整體的利用率并不是很高�！叭龣�(quán)”交易是指將“三權(quán)”作為抵押物向涉農(nóng)銀行申請小額貸款，擬在解決養(yǎng)殖，加工，種植以及個體經(jīng)營等多方面融資需要，在增加農(nóng)民融資手段，擴(kuò)大農(nóng)業(yè)投入的同時，又可以拓寬農(nóng)民的財政性收入，而且從側(cè)面促進(jìn)了城市資本走向農(nóng)村，發(fā)展農(nóng)業(yè)生產(chǎn)的有利趨勢，成為目前破解“三農(nóng)”融資難題，推進(jìn)農(nóng)民致富以及城鄉(xiāng)統(tǒng)籌發(fā)展的重要思路。 “三權(quán)”抵押交易高額的投資回報率對于商業(yè)銀行以及其他金融機(jī)構(gòu)其吸引力是潛在的。隨著資金的不斷投入，對于一些抗風(fēng)險能力較弱以及經(jīng)營規(guī)模較小的商業(yè)銀行，對于風(fēng)險的認(rèn)識，，控制以及預(yù)防是必不可少的。而且，土地相對于其他一般的抵押品，其風(fēng)險額度會大大增加，例如土地特殊的地理位置，評估，性質(zhì)以及開發(fā)的風(fēng)險。 對于農(nóng)村“三權(quán)”抵押貸款業(yè)務(wù)風(fēng)險的研究一直以來就是金融學(xué)術(shù)界以及國內(nèi)外經(jīng)濟(jì)研究的重點，本文主要從定性以及定量兩個角度對于目前“三權(quán)”抵押交易中存在的風(fēng)險以及成因進(jìn)行分析，以貝葉斯網(wǎng)絡(luò)作為研究的理論依據(jù)，以九臺農(nóng)村商業(yè)銀行作為現(xiàn)實依據(jù)，分析以及整合了在農(nóng)村“三權(quán)”抵押交易中主要存在的風(fēng)險以及原因，并總結(jié)作為商業(yè)銀行在進(jìn)行農(nóng)戶三權(quán)交易中的一些可行性策略，主要包括：1．建立以市場為基礎(chǔ)的小額農(nóng)貸利率體系2．小額農(nóng)貸分類發(fā)放3．優(yōu)化小額農(nóng)貸的管理質(zhì)量4．加大政策扶持4．加強(qiáng)農(nóng)村信用體系建設(shè)6．組建高素質(zhì)人才隊伍，建立相關(guān)激勵機(jī)制7．構(gòu)建小額農(nóng)貸風(fēng)險補(bǔ)償和保障機(jī)制，旨在為商業(yè)銀行更加有效的進(jìn)入農(nóng)村融資市場提供發(fā)展契機(jī)。
[Abstract]:The three rights of farmers include forest right, homestead use right and land contract management right. For a long time, the "three rights" only exist as a form of maintaining farmers' life, and the overall utilization rate of the "three rights" resources is not very high. The "three rights" transaction refers to the application of the "three rights" as collateral to the agriculture-related bank for small loans to meet the financing needs of farming, processing, planting and self-employment, and to increase the means of financing for farmers and expand agricultural investment at the same time. It can also broaden the financial income of farmers, and promote the city capital to go to the countryside from the side, and develop the favorable trend of agricultural production, which has become a difficult problem to solve the financing problem of "agriculture, rural areas and farmers" at present. To promote farmers to become rich and urban and rural development as an important way of thinking. The high return on investment in three-right mortgages is potentially attractive to commercial banks and other financial institutions. With the continuous investment of capital, it is necessary to recognize, control and prevent the risk for some commercial banks with weak anti-risk ability and small scale operation. Moreover, the amount of risk associated with land is significantly increased relative to other common collateral, such as the particular location, assessment, nature, and development risks of the land. The research on the risk of the "three right" mortgage loans in rural areas has always been the focus of the financial academic circles and the domestic and foreign economic research. This article mainly from qualitative and quantitative two angles to carry on the analysis to the risk and the cause of formation existing in the current "three rights" mortgage transaction, take Bayesian network as the theoretical basis of the research, take nine rural commercial banks as the realistic basis. The paper analyzes and integrates the main risks and reasons in the "three rights" mortgage transactions in rural areas, and summarizes some feasible strategies of commercial banks in carrying out the transaction of the three rights of farmers. The main contents are as follows: 1. To establish a market-based interest rate system for small agricultural loans 2. 3. To optimize the management quality of small agricultural loans. 4. To increase policy support 4. To strengthen the construction of rural credit system 6. To build a contingent of high-quality talents, To set up the risk compensation and guarantee mechanism of small agricultural loan, to provide the development opportunity for the commercial bank to enter the rural financing market more effectively.
【學(xué)位授予單位】：吉林財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.43

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 劉云琳;干天;;淺談我國農(nóng)業(yè)保險法的立法構(gòu)想[J];甘肅農(nóng)業(yè);2006年09期

2 辛耀;;研究農(nóng)村金融產(chǎn)業(yè)組織效率的意義及方法探索[J];貴州社會科學(xué);2008年12期

3 庹國柱;;有政策才會啟動政策性農(nóng)業(yè)保險[J];河南金融管理干部學(xué)院學(xué)報;2005年06期

4 姚耀軍;;中國農(nóng)村金融改革績效評價[J];江蘇社會科學(xué);2006年01期

5 王虎;范從來;;金融發(fā)展與農(nóng)民收入影響機(jī)制的研究——來自中國1980-2004年的經(jīng)驗證據(jù)[J];經(jīng)濟(jì)科學(xué);2006年06期

6 王雨舟;;農(nóng)村信用工程建設(shè)中信用風(fēng)險防范機(jī)理淺析[J];金融理論與實踐;2007年05期

7 文小才;;我國農(nóng)業(yè)保險發(fā)展的窘境與政府在農(nóng)業(yè)保險發(fā)展中的作用[J];江西金融職工大學(xué)學(xué)報;2007年05期

8 張?zhí)m蘭;土地抵押信貸風(fēng)險及防范[J];現(xiàn)代金融;2001年12期

9 白廣玉 ,陳淼;農(nóng)業(yè)金融資源配置及其效率分析[J];農(nóng)村金融研究;2005年10期

10 梁敏;中國農(nóng)業(yè)保險“六缺失”呼喚什么?[J];農(nóng)村天地;2005年07期

本文編號：2415425