农户农地经营权抵押贷款影响因素研究

发布时间：2018-02-03 05:09

本文关键词： 农地经营权抵押贷款土地规模收入水平贷款需求　出处：《财经问题研究》2017年07期 　论文类型：期刊论文

【摘要】：本文运用包含交互项的Logit模型分析了土地规模、收入水平及其交互作用对农户农地经营权抵押贷款需求的影响。结果表明,土地规模、收入水平对农户农地经营权抵押贷款需求具有极为显著的正向影响;当农户收入较低时,农户对农地经营权抵押贷款的需求随土地规模的扩大而提高;当农户家庭土地规模处于较小规模时,随着农户收入水平的提高,农户对农地经营权抵押贷款的需求并不会提高。研究还发现了影响农户农地经营权抵押贷款需求的其他主要因素。针对结论,未来仍需不断加大农地经营权抵押贷款业务的宣传力度;针对农户需求差异,可适当结合当地农户有效融资需求划分差异性贷款额度,充分发挥抵押贷款对较高收入农民的有效性;针对大规模经营农户,依据其经营能力和还款能力实施农业生产专项抵押贷款,适当放宽还款时限。
[Abstract]:This paper analyzes the effects of land scale, income level and their interaction on the demand for mortgage loans of farmers' farmland management rights by using the Logit model with interactive terms. The results show that the scale of land. The income level has a significant positive impact on the demand for mortgage loans of rural land management rights; When the income of farmers is low, the demand for mortgage loans of farmland management rights increases with the expansion of land scale. When the scale of household land is small, with the increase of farmers' income level. The study also found other main factors that affect the demand of rural land management right mortgage loan. The conclusion is based on the conclusion. In the future, we still need to increase the propaganda of the operation right of farmland mortgage loan business; According to the difference of farmers' demand, we can combine the effective financing needs of local farmers to divide the difference loan quota, and give full play to the validity of mortgage loan to higher income farmers. According to the management ability and repayment ability of large-scale farmers, the special mortgage loan for agricultural production should be implemented, and the repayment time limit should be relaxed.
【作者单位】：西北农林科技大学经济管理学院/农村金融研究所;
【基金】：国家自然科学基金面上项目“农村土地承包经营权抵押融资试点效果评价、运作模式与支持政策研究”(71573210) 教育部“长江学者和创新团队发展计划”创新团队项目“西部地区农村金融市场配置效率、供求均衡与产权抵押融资模式研究”(IRT1176) 西北农林科技大学基本科研业务费人文社会科学项目“农村土地承包经营权抵押担保融资效果评价、运作模式与支持政策研究”(2014RWZD01) 清华大学中国农村研究院博士论文奖学金项目“西北地区农村承包地经营权抵押融资绩效及形成机理比较研究”(201517)
【分类号】：F321.1;F832.43
【正文快照】： 一、问题的提出农业资金投入对于新常态下我国农村经济发展、农民收入增长、缩小城乡贫富差距有着不可替代的作用。长期以来,农村金融供给总量不足、供求错位与结构不合理、服务效率低下,农民融资面临较大供给约束,资金的匮乏已成为严重制约农村经济发展的桎梏。然而农户缺乏

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