农村土地经营权抵押融资模式运行影响因素实证研究

发布时间：2018-07-03 04:45

本文选题：农村土地经营权 + 抵押融资　；参考：《西北农林科技大学》2017年硕士论文

【摘要】：随着农业产业化和规模化的发展,新型农业生产经营组织不断涌现,对信贷资金需求不断扩大,然而大多数农户由于缺乏有效的抵押物,从正规金融机构获得贷款较困难,难以满足大规模经营生产的需要,融资难问题已经成为制约“三农”发展的一个重要瓶颈。为了快速推进现代农业发展,解决农户融资难的问题,国家提出农村土地“三权分置”的概念,并允许土地经营权作为抵押物向金融机构进行抵押融资,以增加农村的资金供给,促进我国农业经营方式由传统农业向现代化农业转变,实现规模化经营、现代化管理,为进一步增加农民收入和促进农村经济发展提供了发展路径和制度保障。本文在农村土地产权“三权分置”背景下,以“纯抵押型”和“抵押+担保型”农村土地经营权抵押融资模式运行为研究对象,总结归纳农村土地经营权抵押融资模式运行的现状、特征和主要存在问题,并通过对试点地区调研数据和统计资料的整理,从农户自身特征、政策环境特征、金融机构特征三个方面,构建二元logit回归模型分析农村土地经营权抵押融资模式运行的影响因素。通过实证回归分析,研究发现家庭资产、信用等级、政府贴息、参与农业保险、银行的积极性、贷后监管力度与“纯抵押型”农村土地经营权抵押融资模式运行有显著的正向影响;家庭资产、土地经营面积、信用等级、参与农业保险、土地价值评估体系、贷后的监管力度与“抵押+担保型”农村土地经营权抵押融资模式运行有显著的正向影响;贷款利率与农村土地经营权抵押融资模式运行有显著的负向影响。最后,从加强农村征信管理、加强产权交易市场建设、完善价值评估体系、风险分担等角度提出完善农村土地经营权抵押融资模式运行的政策建议。
[Abstract]:With the development of agricultural industrialization and scale, new agricultural production and management organizations are emerging and the demand for credit funds is expanding. However, because most farmers lack effective collateral, it is more difficult to obtain loans from formal financial institutions. It is difficult to meet the needs of large-scale operation and production, and the problem of financing has become an important bottleneck restricting the development of agriculture, rural areas and farmers. In order to promote the development of modern agriculture quickly and solve the problem of farmers' financing difficulty, the state put forward the concept of "three rights division" of rural land, and allowed the land management right to mortgage financing to financial institutions as collateral. In order to increase the supply of funds in rural areas, to promote the transformation of agricultural management from traditional agriculture to modern agriculture, and to realize large-scale operation and modern management, It provides development path and system guarantee for further increasing farmers' income and promoting rural economic development. Under the background of "three rights separate structure" of rural land property right, this paper takes the operation of "pure mortgage" and "mortgage guarantee" mode of rural land management right mortgage financing as the research object. This paper summarizes and summarizes the current situation, characteristics and main problems of the operation of mortgage financing mode of rural land management right, and through the collation of the investigation data and statistical data of the pilot area, from the characteristics of the farmers themselves, the characteristics of the policy environment. This paper constructs a dual logit regression model to analyze the influencing factors of the operation of the mortgage financing mode of rural land management right in three aspects of the characteristics of financial institutions. Through empirical regression analysis, the study found that household assets, credit rating, government discount interest, participation in agricultural insurance, bank enthusiasm, The strength of supervision after loan and the operation of "pure mortgage" land management right mortgage financing mode have significant positive influence; household assets, land management area, credit grade, participation in agricultural insurance, land value evaluation system, The supervision strength after loan and the operation of "mortgage guarantee" rural land management right mortgage financing mode have significant positive influence, while the loan interest rate and the rural land management right mortgage financing mode operation have significant negative influence. Finally, from the perspective of strengthening the management of rural credit information, strengthening the construction of property rights trading market, perfecting the value evaluation system and risk sharing, the paper puts forward some policy suggestions to improve the operation of the mode of mortgage financing of rural land management right.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.43;F321.1

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