农民住房财产权抵押的实现路径及影响因素研究

研究目的:以全国33个宅基地制度改革试点地区为研究对象,探析农民住房财产权抵押贷款的实现路径和关键影响因素,为政策推广提供经验借鉴。研究方法:模糊集定性比较分析(fsQCA)。研究结果:农民住房财产权抵押的实现在不同地区均是多个不同条件共同作用引致的结果,具体可归纳为金融推动型、政府主导型、服务市场型3种路径;实际路径的形成和各地宅基地流转的市场基础及改革的历史探索紧密相关;其中,农村集体建设用地基准地价、流转范围是最具有普遍性的影响因素,抵押担保和“房地一体”登记之间则存在明显的替代关系。研究结论:农民住房财产权抵押的实现应从激活流转市场、因地制宜采取差异化措施、合理发挥政府和市场作用方面完善政策。

Realization Path of Farmers' Housing Property Rights Mortgage and Its Key Influencing Factors

The purpose of this paper is to analyze the realization path and key influencing factors of farmers'housing property rights mortgage,so as to provide the references for the promotion of policies,by taking 33 pilot areas of the national institutional reform of rural residential land as the research object.The research method employed is fuzzy set Qualitative Comparative Analysis(fsQCA).The results indicate:1)the realization of the farmers'housing property rights mortgage derives from the combined effect of different factors in different regions,and the path can be summarized into three types,i.e.,financial institutions driving,government leading and serving market.2)The formation of specific path is closely related to the market foundation of rural residential land transfer and the historical exploration of reform.3)Among the factors,the benchmark land price and transfer range of rural residential land are the most universal influencing factors,and there is a clear substitution relationship between mortgage guarantee and registration of“house and land integration”.In conclusion,the realization of farmers'housing property rights mortgage should depend on the policy improvement in further activating the transfer market,adopting differentiated measures according to local conditions,and reasonably playing the role of the government and market.