An Investigation Report Of Impling To The "Two Rights" Mortgage Performance Liability Insurance In Jiangxi Province

In recent years, our country launched the farmers "two rights" mortgage policy to support rural economic development?speed up rural areas out of poverty. Farmers "two rights" mortgage policy is a way of new mortgages that farmers or rural new operators put their housing property and land management rights as collateral to borrowed money, which used to solve the questions. However,with the policy's appearance, Banks's participate enthusiasm is not high, farmers lack of warrants,these problems directly led to the difficulties on the implementation of the policy. Faced of these problems, Jiangxi province people's government explore the methods to solve the problem, launched a government-led, market operation mechanism of resolving to guide farmers "two rights" mortgage smoothly. Based on this, the farmer "two rights" mortgage performance liability insurance arises at the historic moment.Farmers "two rights" mortgage performance liability insurance is an insurance policy that driven by the government, managed by commercial insurance company, subsided full premiums by government of the farmers own accord. It can pick up the bank loan and increase the possibility of borrowing funds for farmers, it is a government leading and good for people's insurance. since the insurance listed in August 2016 , Farmers "two rights" mortgage performance liability insurance has appeared many problems and risks, plus that HengBang company has not the qualification of sales ,farmers "two rights" mortgage insurance performance has been temporarily suspended in January 2017. Therefore, it is of greatly significance to analysis of risks in the operation of the risks and problems comprehensively and deeply, and puts forward corresponding solutions and risk resolving Suggestions.This research report is divided into six main parts: the first part is the introduction section. The paper mainly introduces the research background and significance, the main structure of the research and the implementation of the research process, including the research of time,place,manner,contents and process. The second part expounds the significance of implementation of the insurance in Jiangxi province. This section is around to the response to the country "precise poverty alleviation" call, motivate the borrower equaling rush, solve the problem of the borrower that shortage of funds, increase bank loans safety , reduce the pressure of government finance five aspects .The third part is feasibility analysis, includes theoretical feasibility and practical feasibility analysis and argument. The fourth part is mainly to a brief overview of the insurance development.The fifth part of the insurance is risk factor analysis in the expansion. This chapter is based on three levels: One level is bank credit audit is not strict, payment is not positive, "two rights" collateral risk disposal way is difficult; The second level is the borrower may produce the moral hazard and adverse selection risk; Third level of an insurance company facing premium set unreasonable that increase the risk of constant state property insurance. The sixth is divided into path of reducing the risk of loan performance liability insurance operation in Jiangxi province.This study mainly points to insurance risks and put forward to resolving measures in Jiangxi province. Corresponding countermeasures mainly include: requiring Banks to start the credit assessment system, set up compensation payments "hesitation" period, the innovation of "two rights"approach, strict "two rights" procedure, establish credit accountability mechanism, scientific set premium rate, the innovation way of subrogation, the measures aimed at minimizing performance liability insurance market in the process of Jiangxi province in the implementation of the loan risk and recovery of the market operation in a timely manner.In the process of the farmers "two rights" mortgage loan policy, Jiangxi province discover problems and push out the insurance,, the positive innovation spirit and courage is encouraged.Although the loan performance liability insurance in Jiangxi province still has many deficiencies,difficulties and risks, and even was temporarily suspended because of the limitation of management authority, but it is helping rural borrowers alleviate the financing difficulties of the role of has been growing. With the advancement of loan performance liability insurance pilot work and perfect, we believe it will become another important gripper rural poverty alleviation work. In the near future,farmers in Jiangxi province "two rights" mortgage performance liability insurance will be reinstated and regional restrictions, for the pilot and the promotion of other provinces to provide successful experience and reference.