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从产权缔约看农房抵押贷款的发展——以温州市为例 被引量:29

Reviewing the Development of Rural Housing Mortgage Loans from the Property Contracting Perspective:Case of Wenzhou,Zhejiang Province
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摘要 农房抵押贷款的发展是一个涉及农民、金融机构、政府部门的产权缔约过程。缔约的动力来自各方获取的更大收益,由于缔约方的异质性弱以及个数较少,增进各方利益的帕累托改进顺利形成。但缔约对农房抵押贷款相关的金融、社会及财政风险考虑甚少,如果缔约不进一步完善,农房抵押贷款不可能更大规模发展。为了防范风险,地方政府应利用财政资金建立风险基金,一方面全额承担农房抵押贷款的政策损失,另一方面适当分担金融机构的坏账损失。作为农房抵押贷款的推动者,地方政府实质上必定是这项金融创新产品"试验"风险的最终承担者。 The development of rural housing collateralized mortgage loans is a process that involves the property rights contracting process among farmers,financial institutions and government departments.The motivation of contracting is for the parties involved to obtain a greater income,to promote the interests of all Parties.Because of the existence of a weak heterogeneity and the number of parties involved is small,Pareto improvement is possible to gain smooth formation.On the other hand,very little consideration is given to rural housing mortgage-related financial,social and financial risks.If the contracting process does not improve,there would be no development on a large scale for these rural housing collateralized loans.In order to prevent risks,local governments should use fiscal funds to establish a risk-hedging fund both to hedge political risks and to share financial institutions' possible losses due to bad debts.As a promoter of rural housing collateralized mortgage loans,local government,being the'pilot' of the financial innovations,will be essentially the ultimate risk bearer of this innovative financial instrument
作者 金瓯
出处 《农业经济问题》 CSSCI 北大核心 2012年第3期29-37,110-111,共9页 Issues in Agricultural Economy
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