新闻 > 经济
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China

资产活了农民笑了 山东试点“两权”抵押变现破解融资难

2016-12-20 18:00:23   

  抵押物处置难,建风险分担机制打消顾虑

“农村土地按照所有权、承包权、经营权三权分置,推动农村‘两权’抵押贷款,有利于盘活农村的资源、资金、资产,增加农业中长期和规模化经营的资金投入。”中国人民银行寿光支行行长姜森说。

为了更好地进行“两权”抵押贷款试点,山东探索建立风险分担机制,帮助金融机构打消抵押物处置难的顾虑。据姜森介绍,寿光市财政对农村承包土地经营权抵押贷款,按新发放贷款额的3%提取风险补偿金,专项用于农村承包土地经营权抵押贷款形成的损失。

此次,山东共有包括寿光在内的13个县市区参与试点,试点地区政府财政承诺出资1.15亿元设立风险补偿金。有的试点地区还探索了抵押物临时收储机制,试点县市区建立了政府牵头、社会资本参与的农业收储公司,依法承担临时收储和抵押物处置等职能。

山东还充分利用保险,来进一步降低“两权”抵押可能发生的风险。比如,寿光市还开办了“两权”抵押贷款保证保险,提高信贷增信,分散贷款风险。据介绍,寿光市将“两权”抵押贷款纳入“政银保”贷款保证保险范围,通过政府补贴一部分、银行让利一部分、被保险人自己缴纳一部分建立了3000余万元资金赔付蓄水池,先行支付蓄水池资金赔付,超赔部分由保险公司和银行按照9∶1的比例共担。

“两权”抵押要有完善的产权流转评估市场。在山东,各试点县市区都建立了农村产权流转交易市场,形成了县乡村三级服务网络。初步建立了协商评估、第三方评估等相互补充的价值评估机制。

中国人民银行济南分行统计数据显示,截至11月末,已经评估28.2万亩承包土地的经营权,价值21.5亿元;已评估1486户农民住房财产权,价值3.4亿元。2016年11月末,山东省试点地区“两权”抵押贷款余额10.9亿元,比年初新增5亿元,同比增长74%。其中,承包土地的经营权抵押贷款余额8.7亿元,农民住房财产权抵押贷款余额2.2亿元。

  多种形式,满足不同经营主体融资需求

之前,寿光市种植大户马杰为扩大生产,在寻找土地建大棚,找了一阵没有理想的地块。不过,在一次和朋友聊天时,得知有一家种植户因为经营不善还不上贷款。在银行处置所抵押了土地经营权时,马杰就把这块27.8亩的土地经营权连同土地上的12个冬暖式大棚盘了下来。“土地也不用找了,大棚也是现成的,直接可以搞经营了。”马杰开心地说,第一年净利润就赚了80万元。

上一页2/3下一页
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11155042/20161220/30096866_2.html
Server: cms-8-251
Date: 2024/12/27 11:24:03

Powered by China
China