差序政策信任:农地金融扶贫贷款“冷遇”经验解释

发布时间：2018-05-20 10:55

本文选题：政策信任 + 差序　；参考：《西北农林科技大学学报(社会科学版)》2017年06期

【摘要】：加快农地金融供给侧结构性改革是农村金融改革的当务之急。通过对4 025户农户调查分析,发现当前推广试点的农地产权抵押贷款政策业务受到"冷遇",通过政策效果全面综合评估和影响因素实证分析得出:农地产权抵押贷款试点政策效果综合有效,南北存在比较性的区域差异,江西等中南部地区规模有效,宁夏等西北地区技术有效;江西明显存在经济有效显著、社会效果不够和生态效果存疑的问题,政策改进空间明显存在;农户、金融机构和基层政府对农地产权抵押贷款试点政策的信任程度存在明显差异,其中基层政府盲目信任,且对该政策普惠金融的扶贫功能理解不够,贷款机构对该政策明显信任不够,呈现普遍的惜贷心理,农户遭遇"贷款尴尬",信任彷徨,多贷困难,微贷不屑。为此,应加快农地金融供给侧结构性改革,完善制度,优化政策执行效果;制订切合各地农村实际环境差异化的农地产权抵押贷款政策,以增强农地金融普惠扶贫决策的整合效果。
[Abstract]:The urgent task of rural finance reform is to speed up the structural reform on the supply side of agricultural land finance. Through the investigation and analysis of 4 025 peasant households, It is found that the policy of farmland property right mortgage loan has received a "cold reception" at present. Through comprehensive evaluation of policy effect and empirical analysis of influencing factors, it is concluded that the policy effect of farmland property right mortgage loan pilot project is comprehensive and effective. There are comparative regional differences between the north and the south, the scale of central and southern areas such as Jiangxi is effective, and the technology in northwest areas such as Ningxia is effective. There are obvious problems in Jiangxi with significant economic effectiveness, insufficient social and ecological effects, There are obvious differences in the degree of trust among farmers, financial institutions and grass-roots governments in the pilot policy of farmland property right mortgage loan, in which the grassroots governments blindly trust, Moreover, it is not enough to understand the function of helping the poor of the inclusive finance policy, and the credit institutions obviously do not trust the policy, showing the general psychology of loan-sparing, the farmers encounter "loan embarrassment", trust is hesitant, the difficulty of more loans is difficult, and the micro-loan is disdainful. Therefore, we should speed up the structural reform of the supply side of rural land finance, perfect the system, optimize the effect of policy implementation, and formulate the policy of farmland property right mortgage loan suitable for the difference of rural real environment. In order to enhance the integration effect of rural land finance inclusive poverty reduction policy.
【作者单位】：西北农林科技大学经济管理学院;江西科技学院区域发展研究院;
【基金】：教育部“长江学者和创新团队发展计划”创新团队项目(RT1176) 国家自然科学基金面上项目(71573210)
【分类号】：F832.43

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