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

Rural land management right and farmers' housing property right

In mid-November, 215, the "Deepening" promulgated by the Central Committee and the State Council emphasized that it is necessary to deepen the reform of rural collective property right system and explore the mortgage, guarantee and transfer of rural land management right and farmers' housing property right

as early as 28.

Ways and objects of rural land property right mortgage

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

second, it is the rural housing property 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;

third, it is an economic organization and a natural person of farmers who have the right to operate rural land, and the loan amount is based on the soil; Fourth, rural forest right mortgage loan. The object is an enterprise (business) legal person approved and registered by the administrative department for industry and commerce (or competent authority) and a natural person with full capacity for civil conduct in other economic organizations. The loan amount is determined according to the situation of collateral and the income of operating projects.

iv. It is an enterprise (business) legal person approved and registered by the rural forest right mortgage loan authority (or competent authority) and a natural person with full capacity for civil conduct. The loan amount is based on the collateral status and the income from operating the project

II. The non-performing rate of rural property right mortgage financing loans is

4.94%. "Transfer by loan, linking deposit with loan, charging by loan, dividing fees by floating interest and tying by loan" are all prohibited behaviors in China Banking and Insurance Regulatory Commission. In January 218, the Notice of China Banking Regulatory Commission on Further Deepening the Rectification of Banking Market Chaos (Y.J.F. [218] No.4) issued by the former Banking Regulatory Commission stated that "there are seven kinds of illegal and illegal behaviors that attach unreasonable loan conditions, such as transferring loans, linking deposits and loans, charging loans, splitting floating profits, tying loan fees, floating to the top, and shifting costs", all of which are violations of the rights and interests of financial consumers.

third, what is the non-performing loan ratio of rural financial institutions in 214

to solve the problem, we need to understand the reasons for this situation first. First of all, the low level of rural economic development makes it less able to bear and resist risks, which makes the 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 for this behavior, and most of them let it go or take the lead in defaulting on their debts, which has formed a very bad influence; Thirdly, there are defects in rural financial supervision, imperfect mechanism of financial institutions, imperfect system and irregular management. All these are the factors that lead to the high non-performing rate of rural credit, and the solutions are: first, deepen the reform of property rights and improve the corporate governance structure of rural financial institutions. Make the current vague subject of property rights clear, which can effectively prevent and resolve rural credit risks. Secondly, we should vigorously strengthen the education of cultural quality and increase the publicity of popularizing the law. Let more people have legal awareness and reduce the occurrence of bad credit on their own. Thirdly, establish a good rural credit system. Establish and improve the necessary and effective risk early warning mechanism and a relatively comprehensive information synthesis and feedback system.