基于供给侧的承包经营权抵押贷款需求与可获性研究——以常州市武进区为例

A Research on Demand and Availability of Loan with the Right to Contract for Management as a Mortgage Based on the Supply Side:Taking Wujin District of Changzhou as an Example

以全国农村改革试验区的新型农业经营主体作为研究对象,以多项Probit模型估计作为主要研究方法,对承包经营权抵押贷款需求与可获性的影响因素、存在联系进行分析。研究结果表明:目前的农地承包经营权抵押贷款存在着处于制度探索阶段的内部微观供求结构错位和外部宏观供求平衡特征的小范围均衡。无论是需求还是可获性都受经营者教育水平、家庭年总收入和土地规模的影响,人们可以从这三方面入手进一步实现需求与可获性的均衡。最后,基于供给侧结构性改革思路为经营权抵押的改革试验提出了针对性的政策建议。

Taking new agricultural business subject of the national rural experimental site as research objective and a number of Probit models as the main research methods,this paper makes analysis on the factors and the relationship affecting the demand and availability of mortgage loan on the basis of right to contract for management. The research result shows that as far as mortgage loan of contract for the managerial right of farmland is concerned,at present there is a small range of equilibrium between interior microcosmic structural malposition and external macroscopic balance of supply and demand. Both demand and availability are affected by the educational level of operator,family annual income and scale of farmland. The balance between demand and availability can be further realized from these three aspects. Based on the idea of the structural reform of the supply side,this paper puts forward some pertinent policy suggestions for the experimental reform of management right mortgage.