Research on Limiting Factors and Their Countermeasures and Suggestions of Rural Property Mortgage Financing

Abstract

It is a problem to speed up the mortgage financing of rural property rights, meet the financing needs of rural households and other agriculture-related subjects, and solve the shortage of rural funds. This paper summarizes the practical experience of rural property right mortgage financing in Wuhan, Chengdu, Chongqing, and other areas. Then analyzes the restrictive factors in rural property right mortgage financing, such as imperfect laws and regulations, high financing cost, banks, and other financial institutions are not active, and so on. Based on this, this paper analyzes the limiting factors in this financing, and puts forward some countermeasures and suggestions to accelerate it, to deepen the reform of rural property mortgage financing and promote the finance plan named “Finance to Countryside." Keywords—rural property rights, mortgage financing, Restrictive factors, countermeasures, and suggestions