發(fā)布時間：2018-01-15 16:05

  本文關(guān)鍵詞：農(nóng)房價格實(shí)現(xiàn)、位置差異與抵押貸款試點(diǎn)業(yè)務(wù)探析　出處：《金融理論與實(shí)踐》2017年11期 　論文類型：期刊論文

  更多相關(guān)文章： 農(nóng)村金融 農(nóng)房價格 農(nóng)房位置 農(nóng)房抵押貸款

【摘要】：農(nóng)房抵押貸款制約因素會使農(nóng)房價格扭曲,偏離實(shí)際價值,其反過來又影響并制約抵押貸款業(yè)務(wù)。通過納入位置變量對農(nóng)房主要價格指標(biāo)進(jìn)行分析,進(jìn)而將抵押貸款試點(diǎn)業(yè)務(wù)劃分為三個區(qū)域:意愿區(qū)、糾結(jié)區(qū)和排斥區(qū),探析不同區(qū)域的業(yè)務(wù)特點(diǎn)和模式。同時還分析了農(nóng)房抵押貸款業(yè)務(wù)的價格約束條件,得出推動農(nóng)房抵押貸款試點(diǎn)業(yè)務(wù)的關(guān)鍵在于確保農(nóng)房處置價格能夠?qū)崿F(xiàn),并與市場價格偏離度不大等結(jié)論。最后,提出了針對性的政策建議。
[Abstract]:The restriction factors of agricultural house mortgage loan will distort the price of agricultural house and deviate from the real value, which in turn will affect and restrict the mortgage loan business. Then the experimental mortgage loan business is divided into three regions: willing zone, entangled area and exclusion area, and analyzes the business characteristics and modes of different regions. At the same time, it also analyzes the price constraints of the agricultural house mortgage business. The key to promote the pilot business of agricultural house mortgage loan is to ensure that the price of agricultural house disposal can be realized, and the degree of deviation from market price is not so far. Finally, the corresponding policy suggestions are put forward.
【作者單位】： 中國人民銀行梅州市中心支行;
【分類號】：F301.3;F832.4
【正文快照】： 劉樹新(中國人民銀行梅州市中心支行,廣東梅州514021)一、引言自2015年底全國59個縣(市、區(qū))開展農(nóng)房抵押貸款試點(diǎn)業(yè)務(wù)以來,雖然業(yè)務(wù)量進(jìn)展比較快,但是仍然面臨一些重大障礙。一是法規(guī)制約。試點(diǎn)地區(qū)暫時調(diào)整了《物權(quán)法》《擔(dān)保法》中農(nóng)村集體所有宅基地使用權(quán)不得抵押的規(guī)定,

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