产权改革背景下农村居民产权融资意愿的实证研究——以成都“试验区”为个案

发布时间：2018-04-17 00:12

本文选题：农村土地产权 + 抵押贷款　；参考：《中央财经大学学报》2010年11期

【摘要】：笔者以成都"试验区"的农村产权改革为背景,运用第一手数据发现,农村居民存在产权抵押融资的意愿。虽然有效需求的规模有限,但产权抵押被视为大额融资的备选手段,与担保相比具有更好的隐私保障和节约面子成本的优势。同时,产权融资意愿有明显的阶层分化和村镇差异,风险认知参差不齐。Logit模型分析表明,正规信贷经历、主要收入来源、性别和年龄对村民产权融资意愿有显著影响。未来农村改革需要选择有条件的地区坚定不移地推进产权抵押融资试验。
[Abstract]:Based on the rural property right reform in Chengdu Experimental area, the author finds out that the rural residents have the will to finance property right mortgage.Although the scale of effective demand is limited, the property right mortgage is regarded as an alternative means of large amount financing, which has the advantage of better privacy protection and saving face cost than the guarantee.At the same time, there are obvious class differentiation and village and town differences in the willingness to finance property rights, and the risk cognition is not uniform. Logit model analysis shows that formal credit experience, main income sources, gender and age have significant influence on villagers' willingness to finance property rights.The future rural reform needs to choose the conditional area unswervingly to promote the property right mortgage financing experiment.
【作者单位】：西南民族大学经济学院;
【基金】：2010年成都市哲学社会科学规划项目“产权改革背景下成都农村居民产权融资意愿及金融支持”的最终成果西南民族大学博士创新基金(项目编号:09SBS003)及西南民族大学中央高校基本科研业务费专项资金(项目编号:09SZYZJ27)的资助
【分类号】：F323.6;F832.4

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