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根据我国现行法律规定,宅基地使用权不得抵押,但是随着市场经济发展以及城市化进程的加快,宅基地使用权抵押已经在现实中不断发生,法律限制被不断突破,各地也在积极探索宅基地使用权的抵押融资。宅基地抵押融资是否触犯法律规定,这种抵押能否真正为融资安全提供保障,融资机构处分抵押标的后,会产生什么样的社会后果?带着这些问题笔者在调查的基础上对当前各地做法进行了归集。宅基地使用权抵押法律制度的基本规定(一)一般性规定宅基地使用权管理制度与农村土地承包经营权制度构成我国集体经济所有制的主要形式,是对农民生存权、发展权和居
According to the current laws and regulations of our country, the right to use house sites can not be mortgaged, but with the development of market economy and the acceleration of urbanization, the right to mortgage of house sites has been constantly occurred in reality, legal restrictions have been continuously broken, and various localities are also actively exploring Base mortgage financing. Homestead mortgage financing whether violates the law, this kind of mortgage can really provide protection for financing security, the financing agency disposal mortgage subject, what kind of social consequences? With these questions, the author on the basis of the survey on the current practices around Was collected. (1) General Provisions The management system of the right to use house sites and the system of rural land contract and management rights constitute the main form of the ownership of collective economy in China. It is a measure of the right of farmers to subsistence, development and residence