本文選題：農(nóng)村金融 + 農(nóng)地經(jīng)營權(quán)��； 參考：《云南財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：從國家統(tǒng)計(jì)局公布的2016年多項(xiàng)宏觀經(jīng)濟(jì)數(shù)據(jù)可以看到,我國2016年城鎮(zhèn)化水平已經(jīng)超過50%,我國城鎮(zhèn)化的推進(jìn)離不開農(nóng)業(yè)的現(xiàn)代化、集約化發(fā)展,城鎮(zhèn)化與農(nóng)業(yè)的集約化發(fā)展是推進(jìn)農(nóng)村經(jīng)濟(jì)發(fā)展的兩條車輪,缺一不可。而我國農(nóng)業(yè)產(chǎn)業(yè)的發(fā)展一直以來就存在著資本流入規(guī)模低、經(jīng)營者融資困難的問題。農(nóng)村土地作為農(nóng)業(yè)生產(chǎn)的基礎(chǔ)生產(chǎn)資料,農(nóng)地貨幣化的構(gòu)建是當(dāng)前政府所擁有的最大制度性紅利,新一輪的農(nóng)地產(chǎn)權(quán)“三權(quán)分置”改革,農(nóng)地流轉(zhuǎn),農(nóng)地經(jīng)營權(quán)抵押是一個(gè)巨大的紅利釋放過程,它帶來的農(nóng)地貨幣化為農(nóng)業(yè)經(jīng)濟(jì)的發(fā)展擴(kuò)寬了融資渠道,將發(fā)揮巨大的作用。農(nóng)地經(jīng)營權(quán)抵押貸款作為涉農(nóng)金融機(jī)構(gòu)的一項(xiàng)新興業(yè)務(wù),可以有助于解決了農(nóng)業(yè)生產(chǎn)者擴(kuò)大生產(chǎn)“融資難”的問題,但農(nóng)地經(jīng)營權(quán)作為抵押物不同于普遍的房產(chǎn)抵押,農(nóng)地經(jīng)營權(quán)的特殊性形成了其抵押貸款的特殊風(fēng)險(xiǎn)。本文在對(duì)國內(nèi)外農(nóng)地產(chǎn)權(quán)抵押貸款風(fēng)險(xiǎn)控制管理研究的基礎(chǔ)上,以地租地價(jià)理論、產(chǎn)權(quán)理論、農(nóng)村金融理論為理論依據(jù),從風(fēng)險(xiǎn)防范與控制角度對(duì)農(nóng)地經(jīng)營權(quán)抵押進(jìn)行中存在的風(fēng)險(xiǎn)因素展開探討與研究。首先沿著農(nóng)村土地產(chǎn)權(quán)制度的發(fā)展軌跡,將其改革變遷的歷史過程總結(jié)為三個(gè)主要的階段,同時(shí)結(jié)合過往一系列有關(guān)農(nóng)地的法律政策,闡述農(nóng)地經(jīng)營權(quán)抵押、流轉(zhuǎn)的時(shí)代政策背景,明確了農(nóng)地經(jīng)營權(quán)抵押的內(nèi)涵。然后對(duì)農(nóng)地抵押業(yè)務(wù)流程中的風(fēng)險(xiǎn)點(diǎn)進(jìn)行梳理,揭示其信貸風(fēng)險(xiǎn)的表現(xiàn)形式、生成機(jī)理,構(gòu)建其風(fēng)險(xiǎn)評(píng)價(jià)模型。最后介紹了試點(diǎn)地區(qū)寧夏同心和福建明溪等試點(diǎn)地區(qū)的狀況,通過借鑒其做法設(shè)計(jì)構(gòu)建農(nóng)地經(jīng)營權(quán)抵押貸款風(fēng)險(xiǎn)防控機(jī)制,并針對(duì)現(xiàn)階段試點(diǎn)實(shí)踐過程中存在的法律、市場(chǎng)阻礙、銀行自身的問題等提出相應(yīng)的建議。
[Abstract]:From a number of macroeconomic data released by the National Bureau of Statistics for 2016, we can see that China's urbanization level in 2016 has exceeded 50 percent, and the promotion of urbanization in our country cannot be separated from the modernization and intensive development of agriculture.Urbanization and the intensive development of agriculture are the two wheels of promoting the development of rural economy.However, the development of agricultural industry in China has always had the problems of low capital inflow and difficult financing for managers.As the basic means of production of agricultural production, the construction of rural land monetization is the biggest institutional dividend owned by the current government.The mortgage of agricultural land management right is a huge dividend release process. The monetization of agricultural land will broaden the financing channels for the development of agricultural economy and will play a great role.As a new business of agri-related financial institutions, mortgage loan of agricultural land management right can help to solve the problem of "financing difficulty" for agricultural producers to expand production, but farmland management right is different from common real estate mortgage.The particularity of farmland management right forms the special risk of mortgage loan.On the basis of the research on the risk control and management of mortgage loan of farmland property right at home and abroad, this paper takes the theory of land rent and land price, the theory of property right and the theory of rural finance as the theoretical basis.From the angle of risk prevention and control, this paper discusses and studies the risk factors existing in the mortgage of farmland management right.First of all, along the development track of the rural land property right system, the historical process of its reform and change is summarized into three main stages. At the same time, combining with a series of laws and policies related to agricultural land in the past, the paper expounds the farmland management right mortgage.The background of the policy of circulation makes clear the connotation of the mortgage of farmland management right.Then the risk points in the agricultural land mortgage business process are combed to reveal the form of the credit risk the formation mechanism and the risk evaluation model.Finally, the paper introduces the situation of the pilot areas such as Ningxia Tongxin and Mingxi, Fujian Province, and designs and constructs the risk prevention and control mechanism of the mortgage loan of farmland management right by using its practice for reference, and aims at the existing laws in the process of the pilot practice at this stage.The market hinders, the bank own question and so on puts forward the corresponding proposal.
【學(xué)位授予單位】：云南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F321.1

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