农户分化对宅基地使用权抵押融资意愿的影响——基于江苏省1532个样本数据

发布时间：2018-03-06 12:44

本文选题：宅基地使用权抵押融资　切入点：农户分化　出处：《农村经济》2017年08期 　论文类型：期刊论文

【摘要】：宅基地使用权融资的实现是落实农户用益物权,有效盘活农村资源和资产的必然选择。依据江苏省典型地区的农户调查数据,从农户分化的视角出发,利用有序Probit模型分析农户宅基地抵押融资意愿及其影响因素。分析结果表明:农户对宅基地使用权抵押融资的现实需求整体比重较高;从农户分化特征上看,职业分化程度越高,农户参与抵押融资意愿较强,而经济分化程度越高,农户抵押意愿越弱;其他影响因素方面,新生代农民宅基地抵押融资的意愿更强,受教育水平高(高中及以上)的农户宅基地抵押融资意愿相对更强,对宅基地重置成本预期越高、认为自己享有越多宅基地所有权与处分权权益的被调查农户,其宅基地使用权抵押融资的意愿越强,不同区域农户的宅基地抵押融资意愿也呈现出明显的差异。在此基础上,文中提出了相关对策建议。
[Abstract]:The realization of the right to use the homestead is the inevitable choice to implement the usufruct right of the peasant households and to activate the rural resources and assets effectively. According to the survey data of the farmers in typical areas of Jiangsu Province, the author points out from the perspective of the differentiation of the farmers. This paper analyzes the willingness of homestead mortgage financing and its influencing factors by using the ordered Probit model. The results show that the overall demand for mortgage financing of homestead use right is relatively high. The higher the degree of occupational differentiation, the stronger the willingness of farmers to participate in mortgage financing, while the higher the degree of economic differentiation, the weaker the willingness of farmers to mortgage. The higher the level of education (high school and above), the stronger the willingness of homestead mortgage financing, and the higher the expectation of homestead replacement cost, the more they think they have the right of ownership and disposition of homestead. The stronger the willingness of mortgage financing of homestead use right, the more obvious differences in the willingness of homestead mortgage financing of farmers in different regions. On this basis, the paper puts forward the relevant countermeasures and suggestions.
【作者单位】：南京农业大学公共管理学院;
【基金】：国家自然科学基金面上项目“农村居民点整理对农户土地利用变化影响研究:以长江三角洲地区典型村庄为例”(编号:71173112);国家自然科学基金重点项目“我国土地资源效率提升能力与系统建设研究-基于转变经济发展方式的视角”(编号:71233004)的阶段性研究成果
【分类号】：F321.1;F832.43

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