A Study On The Optimization Of Agricultural Land Management Right Mortgage Loan Policy

The modern agriculture and the future development direction of agricultural system innovation mechanism is through the construction of new agricultural management system of intensive,professional,organizational and social combination to replace the rough type small scale,and the industry of the agricultural management system and the past gradually,new agricultural business entities as the main force in the development of various forms of scale management the play an important role in promoting the moderate scale management.However,at the present stage,the main subject of the new agricultural management is restricted by the shortage of funds,which limits the expansion of reproduction and the process of agricultural modernization.Therefore,to deepen the reform of rural finance,to crack the plight of the new agricultural business entities is imminent.Under this background,the rural land contract and management right mortgage arises at the historic moment,as an important part of the rural property rights reform,Sichuan province to carry out pilot projects in 10 areas of agricultural land mortgage loans.One of the two urban areas of Wenjiang,Chengdu and Chongzhou in the pilot area played a vanguard role,and achieved some results,but also exposed many problems.Through the advanced practice summary of Chengdu pilot area and the successful model,aiming at the existing problems,optimize suggestions on the existing policy,can not only activate the management right mortgage financing function.solve new agricultural business entities,financial problems,experience can also be extended to other areas,and promote the smooth development of management right mortgage.In this paper,case analysis,questionnaire survey,interview and system analysis are used.On the premise of combining related theories.the current status of supply policy pilot areas are summarized,and the effect of management right mortgage policy of farmland from success,the main mode and the three aspects of the development of new agricultural business entities are described.Secondly.through the questionnaire analysis the problems and reasons of management right of new agricultural business entities pilot area mortgage encountered.problems encountered in the current system will be divided into mortgage procedures and complex process,management rights evaluation difficult,high financing costs and high risk,and the theory of land property rights and land rent theory etc.Analysis of the causes of each theory,problems,.Finally,by summarizing the problems and reasons.find the inadequacies of policy rules in the pilot areas;through the part of the successful models and advanced experience,on the basis of the elements of the system to conduct a comprehensive analysis on the rules of management right mortgage loan policy of farmland is optimized.The main conclusions of this paper are:(1)it is more difficult for small and medium sized new agricultural operators to obtain mortgage loansIn the pilot process,the new agricultural business entities encountered complex procedures.including the loan,the valuation of the right to operate on the low side,high financing costs,high risk,etc..Among them,all kinds of new agricultural business entities encountered in rural land management right mortgage in the severity of the problem is different,such as more family farm operators that it encountered in the loan procedures,risk prevention of the serious problems,and leading enterprises of agricultural industrialization is that management rights evaluation is the main obstacles to business the right of mortgage.But overall,the new agricultural business entities in small scale family farms,such as professional investors in business property mortgage loans due to transaction costs under asymmetric information,the higher the difficulty,apply for loans is generally higher than the leading enterprise scale of new agricultural business entities.(2)the construction of rural credit system lags behind the mortgage loanNew agricultural business entities to mortgage loans in the use of land,land management right mortgage is not a simple mortgage,but the mortgage and other assets tied up,banks and other financial institutions in addition to the mortgaged land right of management audit,the often focuses on the new agricultural business entities,the asset management ability.Under the premise of risk control to new agricultural business entities,loan guarantee.But the new agricultural business entities in small scale,asset management ability is deficient,if there is no credit rating,it is difficult for them to obtain the guarantee,is also unable to obtain bank loans,even loans,the loan interest rate,loan amount,loan period will be restricted.Therefore,it becomes more and more important to build a new rural credit system.Through the construction of rural credit system.the management right of loan on new agricultural enterprises and provide agricultural credit facilities,new agricultural business entities to non trustworthy punish and constraints,it can not only accelerate the optimization of rural financial ecological environment,but also can realize effectively improve financial services and financing docking efficiency.(3)the optimization of rural land management right mortgage loan policy is a systematic projectRural land management right mortgage is still facing multiple factors,optimization of the relevant policy is a systematic project,not only to solve the evaluation,process,risk,credit guarantee,such as single issue from one aspect,and from an overall point of view,a comprehensive analysis of the system factors.Such as risk sharing,single risk fund will lead the government reveal too much pressure,and innovation in the agricultural insurance and mortgage on the exploration and can largely reduce the risk of the bank and the government of new agricultural business entities,the three party.In solving the practical problems faced by the new agricultural business entities,such as loan interest is too high,whether the government discount and discount efforts are closely related to the construction of rural credit system,the optimization of the policy is constantly.