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为缓解农民在发展生产、拓展经营中的融资困难,支持和促进农民创业增收,近年来,重庆、四川、广东、浙江、宁夏等多个省(市、区)的部分地区,组织开展了农民住房抵押贷款的试点。为推进这项创新,国务院办公厅于今年4月20日下发的《关于金融服务“三农”发展的若干意见》中也明确提出:“慎重稳妥地开展农民住房财产权抵押试点。”笔者认为:现行法律中关于农村宅基地使用权不得抵押贷款的规定应适时予以删改,同时,对农民住房抵押贷
In order to alleviate the peasants’ difficulties in financing the development of their businesses, and to support and promote peasant entrepreneurship and income growth, peasants have been organized in some areas in a number of provinces (cities, districts) in Chongqing, Sichuan, Guangdong, Zhejiang and Ningxia in recent years. Pilot home mortgage loan. In order to promote this innovation, the General Office of the State Council made clear in its “Opinions on the Development of Financial Services, Agriculture, Rural Areas and Farmers” on April 20 this year: “Carefully and prudently carry out pilot projects on mortgage of peasant housing property rights. ”The author believes that: the existing law on the right to use rural homestead no mortgage loan provisions should be timely deleted, at the same time, the peasant housing mortgage loan