论文部分内容阅读
在农村,随着国有金融机构的不断撤出,农民贷款难的状况不断加剧,已成为阻碍农村经济发展的重要制度瓶颈。我国农村信用担保机制的缺位是造成农民贷款难的重要因素。解决农民贷款难问题,需要完善农村土地承包经营权的法律和制度,使土地承包经营权确实成为完全的物权,并理顺农村宅基地所有权、使用权和房屋所有权的关系,使农民能够以土地承包经营权和宅基地使用权进行抵押贷款。
In rural areas, with the constant withdrawal of state-owned financial institutions, the peasants’ loan difficulties have become increasingly severe and have become an important institutional bottleneck that hinders rural economic development. The absence of rural credit guarantee mechanism in our country is an important factor that makes peasants’ loan difficult. To solve the problem of peasants’ loans, we need to improve the law and system of rural land contracting and management right, so that the land contracting and management right does become a complete real right and to rationalize the relationship between ownership and use rights of rural house sites and house ownership so that peasants can use Land contractual management rights and the right to use homestead mortgage loans.