西部地区农村产权抵押融资的农户满意度影响因素

Factors Influencing Farmers' Satisfaction in Rural Property Mortgage Finance in Western Area

为政府制定和完善农村产权抵押融资的相关政策提供参考依据,利用陕西、宁夏两省(区)的农户问卷调查数据,建立结构方程模型对西部地区农村产权抵押融资的农户满意度影响因素进行了实证分析。结果表明:价值感知(利率水平、资金需求满足情况及生活水平改善程度)是影响农户满意度的主要因素,产品质量感知(还款期限、还款方式及估值方式)和服务质量感知(交通便利程度、服务态度及办理流程)尽管对其满意度具有一定影响,但程度相对较弱。应通过加大宣传力度、改善农村条件、促进农户参与积极性、提升服务水平、设置更为有效合理的贷款产品等,综合促进农户满意度的提升。

The factors influencing farmers’satisfaction in rural property mortgage finance were analyzed by the established structural equation model according to the data from farmers’questionnaire survey in Shaanxi and Ningxia to provide the reference basis for formulation and perfection of policies related to rural property mortgage finance.The results showed that value perception （interest level,fund demand gratification and improvement of living level ） is the dominant factor influencing farmers ’ satisfaction,followed by product quality perception （repayment date,repayment method and appraisement pattern）,and service quality perception （transportation degree,service attitude and handing procedures）. The measures of increasing propaganda strength, improving rural conditions, promoting farmers ’ participation positivity,lifting service level and designing more effective and rational loan products are proposed to advance farmers’satisfaction comprehensively.