牧民草场承包经营权抵押贷款需求意愿及其影响因素分析——以海南藏族自治州为例

The Analysis on the Herders' Desire for Mortgage Loan of Grassland Contracted Management Right and the Influencing Factors—A Case of Hainan Tibetan Autonomous Prefecture

农户贷款难问题一直是制约农村金融发展的一个瓶颈,而抵押物不足更是农户贷款难、银行难贷款的关键因素之一。为破解上述难题,本文以青海省海南藏族自治州(以下简称海南州)的253户牧户为样本,对影响牧民草场承包经营权抵押贷款需求的因素进行了专门研究。通过构建Logit模型,分析相关数据,发现:牧民年龄、受教育程度和对国家出台草场承包经营权抵押贷款政策的希望程度对牧民抵押草场意愿的影响力最大,影响程度均在70%以上。

The difficulty for farmers in getting loans has been a bottleneck restricting the development of the rural finance, and the lack of collateral is one of the key factors that it is difficult for farmers to get loans and banks to grant loans. In order to solve the prob- lem, the paper selects 253 herdsmen of Hainan Tibetan Autonomous Prefecture in Qinghai Province （hereinafter referred to Hainan Prefecture） as the sample, and makes a special study on the factors that affect the herders＇ desire for mortgage loan of grassland con- tracted management right. By building Logit model and analyzing the relevant data, the paper finds that herders＇ age and education level as well as the extent of the hope for that the government promulgates the policy on the mortgage loan of grassland contracted management right influence the herders＇ desire greatly, and the influencing degree is more than 70%.