农村宅基地抵押试点运行机制研究

现行农村宅基地使用权抵押试点分别以财产流转性收益和农村金融市场扩展为抵押主题,采取农民房屋所有权并附属宅基地使用权间接抵押和宅基地使用权直接抵押两种模式,多种类型。试点宅基地使用权抵押融资存在抵押权合法性、抵押物处置效力的法律风险。宅基地使用权抵押应遵循适合我国土地政策和农民利益需求的合理途径,完善抵押登记制度;宅基地使用权转让应适度市场化运作,其受让后的宅基地使用权期限界定为30年为宜。

Operation Mechanism for Experimental Mortgage of House Sites in the Countryside

Currently, there are two themes of experimental mortgage of right to use house sites in the countryside, one is income of transferring property, and the other expanding rural financial market. There are two experimental models and several types, one is indirect mortgage of ownership of farmers＇ house and affiliated right to use house sites, and the other direct mortgage of right to use house sites. Experimental mortgage finan- cing of right to use house sites may take such legal risks as mortgage legitimacy and the disposal of the mort- gaged property. Mortgage of right to use house sites should follow the reasonable ways that fit land policies in our country and the interest of the farmers. Improve the system of mortgage registration, and abide by marketoriented operation on transferring right to use house sites. It is suggested that the time for transferee＇ s right to use house sites shall be 30 years advisably.