物权担保融资创新实践及相关思考（Real estate guarantee financing innovation practice and related thinking）.docVIP

物权担保融资创新实践及相关思考（Real estate guarantee financing innovation practice and related thinking） Wuhan branch of the peoples Bank of rural security methods innovation research group The partys the third Plenary Session of the 17th CPC Central Committee decision clearly made it necessary to expand the scope of effective guaranty in rural areas. The right to land contractual management as land usufruct based on property rights of farmers as the main, the mortgage has become an urgent need to study the problem and practice in many places has come to the front of the theory and the law. As a pilot province of the rural financial products and service model of peoples Bank of Hubei Province, the study of this issue has practical basis and important significance, and it can also play a role in promoting the practice of financial innovation. First, the financing innovation of the guarantee of land use rights in Hubei province is in the ascendant Usufructuary right is a kind of real right, which refers to the exclusive right of possession, use and income enjoyed by non - owner. Land contractual management rights, as an important usufructuary right based on land, are ranked first in the property law and usufructuary right. As a big agricultural province and a large freshwater farming province, Hubei has already made many guarantee financing innovations based on land usufruct. Some financial institutions under the support of the government, the peoples Bank to promote, to the scale of business land contract management rights, land management right and the right to the contracted management of mortgage to the scale of household loans, and achieved good results. These innovations are financing innovations based on land usufruct, which belongs to the category of mortgage of real estate rights. Two, the restriction of land based usufructuary guarantee financing innovation still exists From Hubei and national practice, guarantee financing innovation of land usufruct remains in the local a