不同模式下的农户土地抵押决策响应差异研究

Empirical Analysis of Farmers' Land Mortgage Decision Response Difference under Different Modes

采用Probit模型与Oaxaca-Blinder分解模型,结合陕西、宁夏实地调研数据,实证分析不同模式下农户土地抵押决策响应的影响因素及差异原因。结果表明:非农收入率、文化程度及服务认知是影响农户土地抵押决策响应的主要因素;由于土地产权抵押模式和农户禀赋差异,两地农户土地抵押决策响应存在着显著差异,相对于陕西农户而言,宁夏农户更愿意进行土地抵押。

Empirical analysis is made about land mortgage of farmers＇ decision by using Probit and Oaxaca-Blinder model with the data receiving Shanxi province and Ningxia Hui Autonomous region. Results show that the rate of non-farm income, education and service are the main factors affecting farmers decision response; As the decision response are significant different because of land mortgage and farmers character- istic, Ningxia farmers prefer mortgage more than Shannxi farmers. According to the findings, corresponding suggestions are proposed.