关键词: 农民住房财产权抵押, 抵押品, 农村金融

Abstract: Expanding the scope of collateral is an important way to alleviate the financial difficulties in rural areas. Therefore, the mortgage of farmers' housing property rights is expected to make a difference and become an important direction of rural reform in recent years in China. Taking advantage of the mortgage of farmers' housing property rights in 59 pioneer counties during the period of December 2015 to December 2017, this paper investigates whether the mortgage of farmers' housing property rights increase the agriculturerelated loan by using 1024 rural credit cooperatives and rural commercial banks data during 20102016. This paper holds that, at present, farmers' housing property rights are faced with problems such as difficult value evaluation and difficult disposal of collateral, so it is difficult to act as loan collateral. The results show that the mortgage of farmers' housing property rights did not increase the supply of agriculturerelated loans and could not stimulate the rural financial market. The above results remained robust after considering the alternative effect of the mortgage of farmers' housing property rights had on the other mortgage methods, the mortgage of farmland use rights and the reform of “three plots of land”. The government should make greater efforts to complete the supporting measures for the reform of rural housing property rights mortgage loan, explore and expand the scope of the transfer of farmers' housing property rights. Therefore, the value of housing property rights can be better achieved and the problem of mortgage disposal can be better alleviated.

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