农户选择农村产权抵押融资行为的影响因素研究——基于不同贷款选择的对比分析

Study on influencing factors of households' selection behavior of rural property mortgage——A comparative analysis on different financing choices

基于宁夏940份农户问卷调查数据,采用多项Logistic模型,对比分析农户不同贷款选择影响因素的异同,探寻影响农户选择农村产权抵押融资行为的特殊因素。结果表明,所在地、性别、文化程度、农信社数目对农户选择农村产权抵押融资具有负向影响,劳动力数目和政策了解程度对农户选择农村产权抵押融资具有正向影响。另外,研究还发现,农信社服务态度对农户融资选择具有负向显著影响,与农户意愿相背离。并提出推进农村基层服务网点建设、鼓励多元供给主体的加入、推广农业保险和农村产权抵押融资补贴政策等对策建议。

Based on the survey data of 940 farmer households in Tongxin, Ningxia, the paper used the muhinomial Logistic model to comparatively analyze the similarities and differences between factors influencing respectively farmer households＇ various financing choices, and to explore the specific factors that influencing farmer households＇ selection of rural property mortgage for financing. The results showed that location, gender, education degree and number of rural credit cooperatives had significantly negative impact on households＇ selection of rural property mortgage, while quantity of laborforce and awareness of rural property mortgage policy had significantly positive impact. In addition, service attitude of rural credit cooperatives had a negative impact on households＇ financing choices, deviating from households＇ financing willingness. Based on the research above, the paper put forward suggestions like establishing more rural grassroots service outlets, encouraging participation of multivariate financing providers and popularizing agricultural insurances and rural property mortgage subsidy policies.