摘要
农村土地"三权分离"的改革使农地经营权抵押贷款成为我国农户融资的新途径,可有效加速农业现代化进程,推动农村经济发展。但该业务风险管理的特殊性制约了其大规模推广。故从借款人信用风险、抵押物风险、操作风险三大方面着手,运用博弈论对涉农金融机构和农户的信贷行为进行分析,结合现实情况,得出加强风险管理的可行方法:完善相关法律法规,填补农村征信管理空白,加快推广农业生产保险制度,健全抵押物价值管理机制,旨在于促进涉农金融机构广泛开展农地经营权抵押贷款业务。
Due to the reform of ＂Separation of Three Rights＂ concerning farmland, the rural land mortgage placed on contracted management right is becoming a new financing way for famers in China, which can promote rural economic development and accelerate the process of agricultural modernization. But the risk behind it limits the new businesses development. Aiming to help the financial institutions and famers to achieve a win-win result through the business, the study takes borrower credit risk, collateral risk, operation risk into consideration, combines with Game Theory, explores all possible exposure to the current land mortgage placed on contracted management right and works out the following measures which can control this business risk. （1） Perfect the relevant laws and regulations; （2） Fill the blank of the rural credit management; （3） Promote the insurance system of agricultural productiom （4） Improve the value of the mortgaged property management mechanism.
出处
《安徽农业大学学报（社会科学版）》
2015年第2期12-16,共5页
Journal of Anhui Agricultural University:SOC.SCI.
关键词
农地承包经营权
抵押贷款
风险
博弈论
rural land contracted management right
mortgage loan
risk management
Game Theory
