基于农户视角的西部地区农村产权抵押融资满意度的研究

发布时间：2018-06-29 17:22

本文选题：产权抵押 + 农户满意度　；参考：《西北农林科技大学》2015年硕士论文

【摘要】：长期以来,受其所处地理位置和市场环境的制约,我国西部地区农村经济的发展远远落后于中东部地区,农户贷款困难的问题也更为突出。作为一种新型的融资模式,农村产权抵押融资模式的诞生在很大程度上丰富了农村金融产品的多样性,缓解了农村金融市场中的供给不足,满足了农村地区多层次的资金需求,为西部地区的广大农户顺利融资创造了有利的条件。越来越多的学者认为,农村产权抵押融资模式有效的推动了农村土地流转,促进了广大农村地区的经济发展,但农村产权抵押尚且处于刚刚起步阶段,其宣传力度和配套措施也处在不断的完善之中。为了增加广大农户对于农村产权抵押融资的认可度、信任度和满意度,为政府制定和完善农村产权抵押融资的相关政策提供依据,本文构建了基于农户视角的西部地区农村产权抵押融资满意度指数模型,通过结构方程模型对农户的满意度及其影响因素进行了研究：本文首先回顾了国内外顾客满意度的研究现状,梳理了产权抵押融资的研究动态,讨论了4类经典的满意度指数模型,详细阐述了顾客满意的测评方法。在此基础上参考美国顾客满意度模型(ACSI)确立了基于农户视角的西部地区农村产权抵押融资满意度测评体系和测评模型。通过对陕西省杨凌区、临潼区、高陵县的实地调研数据,对所建模型进行了实证分析。结果表明：多数农户对产权抵押融资模式持满意态度,该融资模式在一定程度上缓解了资金短缺,提高了广大农户的经济和生活水平。其中,价值感知(利率水平、资金需求满足情况及生活水平改善程度)是影响农户满意度的主要因素,产品质量感知(还款期限、还款方式及估值方式)和服务质量感知(交通便利程度、服务态度及办理流程)尽管对其满意度具有一定影响,但程度相对较弱。最后针对这三个变量的具体内容,给出了西部地区农村产权抵押融资农户满意度的提升途径：提升农户认知能力,帮助其树立理性期望；关注农户的用户体验,强化相关金融机构的服务质量；针对性推出产权抵押融资产品,不断提升农户满意度。
[Abstract]:For a long time, because of its geographical position and market environment, the development of rural economy in western China lags far behind that of the central and eastern regions, and the problem of farmers' loan difficulties is even more prominent. As a new financing mode, the birth of rural property right mortgage financing model has enriched the diversity of rural financial products to a great extent, alleviated the shortage of supply in the rural financial market, and satisfied the multi-level capital demand in rural areas. For the western region of the vast number of farmers to create favorable conditions for the smooth financing. More and more scholars believe that the mode of rural property right mortgage financing has effectively promoted the circulation of rural land and promoted the economic development of the vast rural areas, but the rural property rights mortgage is still in its infancy. Its propaganda and supporting measures are also in continuous improvement. In order to increase the farmers' recognition, trust and satisfaction with the rural property right mortgage financing, the government can provide the basis for the government to formulate and perfect the rural property right mortgage financing policy. In this paper, based on the perspective of farmers in western rural property rights mortgage financing satisfaction index model, Based on the structural equation model, this paper studies the farmers' satisfaction and its influencing factors. Firstly, this paper reviews the research status of customer satisfaction at home and abroad, and combs the research trends of property right mortgage financing. Four kinds of classical satisfaction index models are discussed, and the evaluation methods of customer satisfaction are described in detail. On this basis, referring to the American customer satisfaction Model (ACSI), the evaluation system and evaluation model of western rural property right mortgage financing satisfaction are established based on the perspective of farmers. Based on the field investigation data of Yangling District, Lintong District and Gaoling County in Shaanxi Province, the model is empirically analyzed. The results show that the majority of farmers are satisfied with the property right mortgage financing model which to some extent alleviates the shortage of funds and improves the economic and living standards of the majority of farmers. The perception of value (interest rate level, satisfaction of capital demand and improvement of living standard) is the main factor influencing farmers' satisfaction, and the perception of product quality (repayment period). Repayments and valuation methods) and service quality perception (transportation convenience, service attitude and processing process) have a certain impact on their satisfaction, but the degree is relatively weak. Finally, according to the specific content of these three variables, the paper gives the way to improve the satisfaction of rural property right mortgage financing farmers in western region: to enhance the farmers' cognitive ability, to help them to set up rational expectations; to pay attention to the farmers' user experience. Strengthen the service quality of the relevant financial institutions, launch the property right mortgage financing products, and continuously improve the farmers' satisfaction.
【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】：2015
【分类号】：F321.1;F832.4

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