Research On The Problems And Countermeasures In The Implementation Of The Rural Land Management Rights Mortgage Loan Policy In Nyingchi,Tibet

The implementation of the rural land management right mortgage loan policy has been an important exploration and practice of the three-rights-separation-driven rural land system reform in the financial sector.As one of the pilot areas for rural land management rights mortgage loans authorized by the State Council,Milin County,Nyingchi,Tibet,began to specifically promote the pilot work of rural land management right mortgage loans in early 2016.The relevant departments of the local government,agricultural banking institutions and other policy implementation entities introduced a series of specific measures in various aspects,ranging from institutional setting,policy refinement,policy publicity,to clarification of property rights,which had brought positive effect on the application of rural land management rights mortgage loans to Nyingchi region.But in general,the implementation of the farmland management rights mortgage loan policy had shown its characteristics of less portfolio,slow progress in the early stages,and difficult to operate in the late promotion.Hence,this article introduces Smith Policy-Implementation-Processing pattern as the theoretical basis and analysis framework,and comprehensive applicaiton of text research,questionnaire surveys,Semi-structured interviews,statistical data analysis and participatory observation as research methods,to have a further insight and analyze the problems of the implementation of the farmland management rights mortgage loan policy in Nyingchi region.Meanwhile,countermeasures and suggestions are proposed to better correct the deviation of the policy implementation.In the process of the implementation of the farmland management rights mortgage loan policy in Nyingchi region,the research found,the policy itself was not yet complete and systematic,the land property rights environment was built late,the government was not forceful enough during the pilot,financial institutions lacked in motivation to participate,insufficient effective demand by the local famers,and single beneficiary group of the policy,etc.Through further analysis,it was found that weak pilot practice foundation,difficulties in the land right confirmation,conservative thoughts and methods of the goverment,imperfect mechanism of collateral evaluation and disposition and the risk compensation,less comparative advantages of the product itself,and less efforts for the policy and product promotion and popularization were the main reasons for the problems above.Given this,this article puts forward countermeasures and suggestions from different dimentions.In terms of ideal policy factors,it suggests focusing on the continuous practice and scientific demonstration of policies,refining and improving the local policies,and ensuring the connection and linkage between different policies,while for the policy environmental factors,it proposes in-depth promotion of rural land property rights environment,enriching the amount of land rights,and establishing standards for land rights issue handling,etc.As for the terms of implementing institutions,it proposes government departments’ reshaping their work styles and methods,enhancing inter-departmental cooperation,and supporting mechanism perfection to better boost financial institutions’ Confidence in the policies.And while for the group factors,it proposes optimizing credit products and rural financial ecology,strengthening policy publicity and financial knowledge popularization.