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浙江丽水农房使用权可抵押
2017-08-27 19:35:42 中国青年网
新华社杭州8月27日电(记者 岳德亮)浙江省丽水市云和县、青田县近日发放了5笔共115万元农房流转使用权抵押贷款,创设了凭农房流转使用权即可向金融机构申请贷款的新模式。
2012年4月,中国人民银行和浙江省政府决定在丽水市开展农村金融改革试点。
丽水市发展改革委发布消息称,这是近年来丽水农村金融改革取得的又一重要成果。通过农房流转使用权抵押贷款,让“沉睡资源”变身“流动资本”,为农户架起了“致富桥”。农房流转使用权抵押贷款,源于民宿经营者以农房流转使用权向银行申请抵押贷款的迫切需求。
近年来,随着丽水民宿、农家乐等旅游产业迅速发展,一批民宿经营者从农户或村集体手中流转获得了在农房所有权基础上派生出一定期限的农房流转使用权,有较高市场价值且相对容易评估,并且具有一定的市场流动性。
有专家认为,农房流转使用权抵押贷款的实施,将农房所有权与使用权分开,农民可以用流转来的农房获取低息贷款,一定程度上解决了农民工返乡创业融资难融资贵的问题。
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