不同规模农户农地经营权抵押融资需求差异及影响因素——基于626个农户微观调查数据

Demand Differences of Households in Different Scales and Influencing Factors to Rural Land Management Rights Mortgage Financing——Based on Survey Data of 626 Households

本文以辽宁省626个农户的调查数据为例,对不同土地经营规模农户的农地经营权抵押融资需求进行实证分析。结果表明:农户农地抵押融资需求随着土地面积的增加呈现递增趋势,但不同规模农户之间差异明显;不同土地经营规模农户农地抵押融资需求虽然在预期借款额度和用途上存在差异,但在借款期限上却没有表现出明显的差异。进一步分析总体及不同经营规模农户农地抵押融资需求影响因素发现,小规模农户农地抵押融资需求主要受供养比、贷款经历、家庭年收入、农业收入比重和贷款利率影响;中等规模农户的需求主要受供养比、农业收入比重、资产值和贷款手续影响;大规模农户的需求主要受社会关系、贷款经历、家庭年收入和贷款手续影响。最后,本文提出促进农地经营权抵押融资发展的政策建议。

This paper conducts empirical demand of households in different analysis on the rural land management rights mortgage financing scales, using 626 samples randomly selected in Liaoning province. Studies show that the households＇ farmland mortgage financing demand increases with the increase in land area, but there are significant differences among farmers in different scales;there exist differences in the expected loan amount and usage, but the borrowing period does not show significant difference. Further analysis of influencing factors of overall and different-scale households＇ farmland mortgage financing demand shows that small-scale households＇ farmland mortgage financing demand is mainly affected by dependency ratio, loan experience, family income, the proportion of agricultural income and the lending rates~ medium-scale households＇ demand is mainly affected by dependency ratio, the proportion of agricultural income, the value of assets and loan procedures ~ large-scale households＇ demand is mainly affected by social relations, loan experience, family income and loan procedures. Finally, this paper puts forward development suggestions of farmland management rights mortgage financing.