摘要
在对陕西、宁夏两省区370户农户调查的基础上,运用Logistic模型对影响农户产权抵押融资意愿的因素进行实证分析,结果发现,文化程度、户主性别、家庭人口、社会关系、土地经营规模和家庭人均收入都在一定程度上正向影响着农户参与产权抵押融资意愿,从不同的土地经营规模视角对农户参与意愿进行分析发现各影响因素及效果也不相同。未来,在提高农户参与产权抵押融资意愿上,各级政府应鼓励土地流转,扶持适度规模经营,加强农民培训;金融机构应积极了解农户需求意愿影响因素,合理进行产品服务调整,针对不同土地经营规模的农户家庭实施差异化金融产品和服务,同时应加大产权抵押融资的宣传力度。
According to the survey data of 370 farmers in China＇s northwest Shaanxi Province and Ningxia Autonomous Region, this paper uses binary logistic model to research related factors influencing farmer＇s willingness on rural property right mortgage. Study finds that on the whole householder＇s education level, gender, family population, social relations, land area, per capita income all have significant positive impacts on farmer＇s mortgage willingness, while from the perspective of different land management scale, the influence and effect is different. Therefore, to improve the farmers＇ willingness on rural property rights mortgage, governments should encourage land transfer, support the appropriate scale of operation and strengthen the training of farmers, while financial institutions should learn affecting factors actively to create more appropriate financial products and services, implement them in different scale of land management, and enhance advertisement of property right mortgage.
出处
《财贸研究》
CSSCI
北大核心
2014年第5期54-61,共8页
Finance and Trade Research
基金
教育部长江学者和创新团队发展计划资助项目"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)
国家自然科学基金项目"西部农村金融市场开放度
市场效率与功能提升政策体系研究"(71073126)
高等学校博士学科点专项科研基金项目"我国农村小型金融机构试点运行绩效评价与支持政策研究"(20100204110030)的阶段性研究成果
关键词
产权抵押
土地经营规模
贷款意愿
property right mortgage
land management scale
willingness to loan
