陕西农地经营权抵押贷款影响因素研究

发布时间：2019-01-08 15:11

【摘要】：随着农地经营的市场化、多元化程度加深,农业经营主体对农业产业化经营的资金需求日益加大,现代农业生产所需资金仅靠金融机构提供的小额贷款已无法得到满足。农地经营权抵押实质是一种准产权抵押,推行农地经营权抵押贷款,能有效破解农业经营主体因为缺乏抵押担保物而无法融资的困境。因此,为有效解决农户融资难的问题,我国政府逐步开始推进农地金融改革,在全国30个省份开展农地经营权抵押贷款试点工作并取得了一定的成效,但在实践中也存在诸多制约农地经营权抵押贷款有序推进的因素。因此深入研究开展农地经营权抵押贷款的影响因素,不仅有助于缓解农业经营主体“融资难”问题,更事关我国农地产权制度的改革和农业产业化、现代化的持续发展。基于此,本文以土地产权理论、金融抑制理论和供求均衡理论为指导,采用实证分析和规范分析相结合的方法,对陕西开展农地经营权抵押贷款业务的影响因素这一核心问题展开研究。首先,以农地权属和法律规范等方面为切入点,对农地经营权抵押贷款展开创新性分析,提出“三权分置”是农地抵押的一种体制创新,开展农地经营权抵押贷款是中国资本市场上的一种新模式,有利于农地规模经营和产业化经营,实现农民增收。其次,立足于陕西实际,揭示陕西农地经营权抵押贷款现状及存在的主要问题。接着,通过构建二项Logistic回归模型和层次分析法相结合的分析范式,从需求和供给两个角度揭示影响陕西开展农地经营权抵押贷款的影响因素,为有序推进陕西农地经营权抵押贷款业务提供定量方法支撑,研究认为现阶段陕西农地经营权抵押贷款市场处于“供给主导”的非均衡状态。最后立足于实证结果和陕西实际,得出顺利推行农地经营权抵押贷款业务应当遵循供求均衡理论,统筹设计,同时加强法制建设,形成农业经营主体、金融机构和政府三方联动机制等结论。
[Abstract]:With the marketization of agricultural land management and the deepening of diversification, the main body of agricultural management needs more and more funds for agricultural industrialization management, and the funds required for modern agricultural production can not be satisfied only by the small loans provided by financial institutions. The essence of farmland management right mortgage is a kind of quasi-property right mortgage. The implementation of farmland management right mortgage loan can effectively solve the dilemma that the agricultural management main body can not finance because of the lack of mortgage collateral. Therefore, in order to effectively solve the problem of farmers' financing difficulties, the Chinese government has gradually started to promote the reform of agricultural land finance, and has achieved certain results in the pilot work of mortgage loans for the management of agricultural land in 30 provinces of the country. But in practice, there are many factors that restrict the promotion of farmland management right mortgage loan. Therefore, it is not only helpful to alleviate the problem of "financing difficulty" but also related to the reform of farmland property right system and the sustainable development of agricultural industrialization and modernization. Based on this, this paper, guided by land property right theory, financial suppression theory and supply and demand equilibrium theory, adopts the method of combining empirical analysis with normative analysis. This paper studies the influence factors of agricultural land management right mortgage loan in Shaanxi province. First of all, starting from the ownership of agricultural land and the legal norms, this paper analyzes the innovation of the mortgage loan of farmland management right, and puts forward that "three rights separate structure" is a kind of system innovation of farmland mortgage. It is a new mode in Chinese capital market to develop the mortgage loan of farmland management right, which is beneficial to the scale management and industrialization management of agricultural land, and to realize the increase of farmers' income. Secondly, based on the reality of Shaanxi Province, it reveals the current situation and main problems of the mortgage loan of agricultural land management right in Shaanxi Province. Then, by constructing the binomial Logistic regression model and analytic hierarchy process, the paper reveals the influence factors on the development of agricultural land management right mortgage loan in Shaanxi province from the perspective of demand and supply. In order to promote the operation of agricultural land mortgage loan business in Shaanxi Province in an orderly manner, it is considered that the mortgage loan market of agricultural land management right in Shaanxi is in a supply-oriented unbalanced state at the present stage. Finally, based on the empirical results and the actual situation in Shaanxi, it is concluded that the smooth implementation of agricultural land management right mortgage loan business should follow the theory of equilibrium between supply and demand, design as a whole, strengthen the construction of legal system, and form the main body of agricultural management. Financial institutions and government tripartite linkage mechanism and other conclusions.
【学位授予单位】：西安工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F321.1

【参考文献】