Proceedings of the 4th International Conference on Economic Management and Model Engineering, ICEMME 2022, November 18-20, 2022, Nanjing, China

Research Article

New Progress in Rural Credit Rationing and Property Right Mortgage under the Background of "Block chain and Big data" Technology

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  • @INPROCEEDINGS{10.4108/eai.18-11-2022.2326896,
        author={Liushan  Fan and Xintong  Xu and Wenlan  Wang},
        title={New Progress in Rural Credit Rationing and Property Right Mortgage under the Background of "Block chain and Big data" Technology},
        proceedings={Proceedings of the 4th International Conference on Economic Management and Model Engineering, ICEMME 2022, November 18-20, 2022, Nanjing, China},
        publisher={EAI},
        proceedings_a={ICEMME},
        year={2023},
        month={2},
        keywords={mortgage of property right; credit rationing; forest right mortgage loan; "block chain and big data" technology},
        doi={10.4108/eai.18-11-2022.2326896}
    }
    
  • Liushan Fan
    Xintong Xu
    Wenlan Wang
    Year: 2023
    New Progress in Rural Credit Rationing and Property Right Mortgage under the Background of "Block chain and Big data" Technology
    ICEMME
    EAI
    DOI: 10.4108/eai.18-11-2022.2326896
Liushan Fan1, Xintong Xu2, Wenlan Wang3,*
  • 1: Fujian Jiangxia University
  • 2: East China Jiao Tong University Nan Chang City
  • 3: Fujian Agriculture and Forestry University
*Contact email: 214452115@qq.com

Abstract

Credit rationing is an important challenge to the sustainable development of rural financial credit markets. With the improvement in data availability and empirical methods, it has become a new hotspot in academic research on rural financial market to discuss the problem of rural household credit rationing from the perspective of rural property right mortgage. Through the deep integration of "block chain and big data" technology and its application in the field of rural property rights mortgage loans, it will enable the transformation and upgrading of credit allocation for rural farmers. In this paper, first of all, the genesis and classification of peasant household credit rationing in detail, based on this, the influence factors of credit rationing, and from the perspective of property right of mortgage on the influence of peasant household credit rationing system is summarized, and the one illuminating innovative insights to conduct a comprehensive review. This paper aims to provide references from the research on forest title mortgage loan and peasant household credit rationing in collective forest areas under the context of "block chain and big data" technology in china.