农村土地经营权抵押贷款意愿及其影响因素研究——基于农村信贷员的调查分析

The Analysis Influential Factors and Potential Willingness of Financial Institutions on Land Contract Right Mortgage Loan:Based on a Survey of Rural Loan Officer

本文以辽宁省法库县305名基层农村信贷员调查数据为依据,运用Probit模型对金融机构开展土地经营权抵押贷款意愿及其影响因素进行了实证分析。结果表明,由于农村土地生存保障功能强、权利赎回难度大等原因使得金融机构筛选和监督农户变得更加困难,对农村土地经营权抵押贷款意愿产生了负面影响。本文还提出了进一步明晰农村土地产权、建立农村土地产权价值评估制度等建议。

Based on the investigation of 305 Rural loan officers in Faku County,The author made an statistical analysis on the potential willingness of financial institutions and influential factors of Land Contracted Right Mortgage Loan by using the Probit model.The results showed that it is difficult for financial institutions to select and Supervise farmers,due to the powerful survival protection function of agricultural land,which had a negative impact on rural land contracted right mortgage willingness.Finally,the author put forward some proposals,such as making the rural land property rights clearer and advancing the construction of rural land property right Evaluation system etc.