What are the financing methods of rural real estate mortgage?

1. What are the financing methods of rural property mortgage?

Rural land management right and farmers' housing property right

2015438+0165438/kloc-0 * * The "Deepening" promulgated by the Central Committee and the State Council emphasized the need to deepen the reform of the rural collective property rights system and explore the mortgage, guarantee and transfer of rural land management rights and farmers' housing property rights.

Forest right

As early as 2008, the Opinions of the Central Committee of the State Council on Comprehensively Promoting the Reform of Collective Forest Right System was issued (Zhong Fa [20] investment and financing reform, financial institutions should open their products, increase forestry credit and improve the forestry credit system.

Ways and objects of rural land property right mortgage

The first is the amount of direct subsidy funds for benefiting farmers. The direct subsidy fund account for benefiting farmers is used as the loan pledge guarantee account, and farmers issue loans to farmers;

The second is rural real estate mortgage loan. The target is a natural person who owns rural housing, and the loan amount is determined according to the value of collateral and the income of business projects;

Three, is the economic organization of rural land management rights and farmers of natural persons, the loan amount according to the soil; Fourth, rural forest right mortgage loan. The object is an enterprise (institution) legal person and a natural person with full civil capacity in other economic organizations approved and registered by the administrative department for industry and commerce (or the competent authority). The loan amount is determined according to the situation of collateral and the income of business projects.

Four, the rural forest right mortgage loan is an enterprise (business) legal person approved and registered by the loan authority (or the competent authority), and it is a natural person with full capacity for civil conduct. The loan amount is determined according to the collateral status and the income from operating projects.

The second is the non-performing rate of rural real estate mortgage financing loans.

The defective rate is 4.94%. "Transfer by loan, linking deposit with loan, charging by loan, charging by floating interest rate and tying by loan" are all prohibited by CBRC. 20 18, 1 June, the former CBRC issued the Notice of China Banking Regulatory Commission on Further Deepening the Rectification of Banking Market Chaos (No.4 of the Banking Regulatory Commission [2065438+08]), which pointed out that "there are loan transfer, deposit-loan linkage, loan charges, floating profit sharing fees, loan tying fees and floating.

Three. 20 14 what is the non-performing rate of rural financial institutions?

To solve the problem, we first need to understand the causes of this situation. First of all, the low level of rural economic development and poor ability to bear and resist risks make loan repayment insecure, which is one of the important reasons for the formation of bad credit; Secondly, farmers' own credit concept is weak, and they often try their best to default on their debts. Moreover, from local governments to township governments to rural leading bodies, there is a lack of management of this behavior, and most of them leave it alone or take the lead in defaulting on debts, which has formed a very bad influence; Third, there are defects in rural financial supervision, imperfect mechanism of financial institutions, imperfect system and irregular management. These are the factors that lead to the high rate of non-performing loans in rural areas. The solutions are as follows: First, deepen the reform of property rights and improve the corporate governance structure of rural financial institutions. Making the vague subject of property right clear can effectively prevent and resolve the rural credit risk. Secondly, we should vigorously strengthen cultural quality education and increase publicity of law popularization. Let more people have legal awareness and reduce the occurrence of bad credit by themselves. Third, establish a good rural credit system. Establish and improve the necessary and effective risk early warning mechanism and relatively perfect information synthesis and feedback system.