农村产权抵押融资的风险防控机制研究——基于重庆的实践

论文首先理清了农村产权抵押融资各环节上的主要风险。接着,通过对重庆市11个区县的实地调研,找出了各种风险的主要成因,以及防控这些风险的成功经验。最后,针对农村产权融资的不同需求,建立了以农村资金互助社为核心的小额融资风险防控机制,和以政府为基础层,金融机构和农户为核心层,担保机构、保险机构和评估机构为保障层的大额融资风险防控机制。为我国农村产权抵押融资风险防控提供参考。

On Mechanism of Risk Prevention and Control for Rural Property Mortgage Financing Based on the Practice in Chongqing

This paper clarifies the main risks in the financing of rural property mortgage. Then,through the field research of 1 1 districts and counties in Chongqing,the main causes of various risks were found out,and the successful experience of prevention and control of these risks were analyzed.Finally,in view of the different needs of rural property financing,a mechanism of prevention and control of risk in microfinance with rural credit cooperatives at the core is established;and a mechanism of prevention and control of risk in large scale financing is proposed,in which government is the base;financial institutions and farmers are the core;guarantee institutions,insurance agencies and assessment institutions are the protection.This paper provides reference for the risk prevention and control of rural property rights mortgage in China.