温州海域使用权抵押融资的实践与探索
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摘要
海域使用权作为一种用益物权,具有抵押权利,在实践中逐步得到开展应用。源于温州市自然资源丰富,海洋经济贡献突出,又有海域使用权抵押配套法律法规出台为其提供法律支撑,而且温州海域抵押融资需求旺盛,使得温州推进海域使用权抵押融资极具可行性,但由于海洋经济不确定性因素多,风险大,导致金融机构支持动力不足,而且温州海域使用权价值评估滞后,评估结果得不到认可,海域使用权市场发育程度低,导致抵押物无法流转出让,为此建议温州市创新海域金融服务产品,全力支持海域金融发展,培育和发展海域使用权评估体系,推进海域使用权市场化程度,进而大力发展并创新温州海域使用权抵押融资。
As a real right of usufruct, the right to the use of sea areas has mortgage right, which has been gradually applied in practice. It is very feasible for Wenzhou to promote mortgage financing of the right since Wenzhou has abundant natural resourceswithoutstanding contribution of marine economy, there are relevant laws and regulations for providing legal support for the mortgage of the right,and since the city has strong demand for mortgage financing. However, there are many uncertainties and large risks in a marine economy; as a result, financial institutions' motive force for supportingit isinsufficient. The evaluation of the value of the right in Wenzhoulags behind and the evaluation results are not recognized.Moreover,the development of the market of the right is at a lower degree, which leads to the non-transferability of collateral. Therefore, it is suggested that Wenzhou innovate the financial service products, fully support the development of sea areafinancing, cultivate and develop the evaluation system of the right, promote the degree of marketization of the right, and then vigorously develop and innovate mortgage financing of the right in Wenzhou.
As a real right of usufruct, the right to the use of sea areas has mortgage right, which has been gradually applied in practice. It is very feasible for Wenzhou to promote mortgage financing of the right since Wenzhou has abundant natural resourceswithoutstanding contribution of marine economy, there are relevant laws and regulations for providing legal support for the mortgage of the right,and since the city has strong demand for mortgage financing. However, there are many uncertainties and large risks in a marine economy; as a result, financial institutions' motive force for supportingit isinsufficient. The evaluation of the value of the right in Wenzhoulags behind and the evaluation results are not recognized.Moreover,the development of the market of the right is at a lower degree, which leads to the non-transferability of collateral. Therefore, it is suggested that Wenzhou innovate the financial service products, fully support the development of sea areafinancing, cultivate and develop the evaluation system of the right, promote the degree of marketization of the right, and then vigorously develop and innovate mortgage financing of the right in Wenzhou.
引文
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[2]唐正康.我国海洋产业发展的融资问题研究[J].海洋经济,2013,1(4):7-12.
[3]武靖州.发展海洋经济亟需金融政策支持[J].发展研究,2013(4):46-51.
[4]郑世忠,谭万光.海域使用权抵押贷款的适应性研究[J].华北金融,2015(10):66-69.
[5]海域管理处,温州市海洋功能区划(2013-2020年)[EB/QL].温州海洋与渔业局网站,http://wzhy.wenzhou.gov.cn/art/2017/6/26/art_1252585_7879052.html
[6]温州海洋与渔业局.温州市海洋事业发展“十三五”规划[EB/QL].温州海洋与渔业局网站,http://wzhy.wenzhou.gov.cn/art/2017/5/19/art_1252585_7263462.html
[7]谭论,王倩,田洪军.海域使用权抵押发展现状、问题及对策[J].海洋开发与管理,2015(10):18-21.
[8]李晓燕,肖培炜.简论海域使用权二级市场流转方式的完善[J].法制博览,2016(5):175-176.
[9]刘仁林,倪兴明,林瑶.江苏海域使用权抵押贷款实践与探索[J].经济师,2013(12):190-192.
[10]刘淑芬,侯智洋,徐伟,赵梦.我国海域使用权抵押发展现状与管理政策建议[J].海洋开发与管理,2016(2):81-83.
[11]国家海洋局.关于公布海域评估机构推荐名录的通知[EB/QL].国家海洋局网站http://www.soa.gov.cn/zwgk/zcgh/hygl/201211/t20121105_5284.html
[12]丁黎黎,郑海红.我国海域使用权的市场化管理[J].山东科技大学学报,2016,18(4):67-74.