不同收入水平农户参与农地承包经营权抵押融资意愿分析——基于陕西、宁夏农户调查数据验证

ANALYSIS ON THE WILLINGNESS OF FARMERS WITH DIFFERENT INCOME LEVELS TO PARTICIPATE IN RURAL LAND CONTRACT MANAGEMENT RIGHT MORTGAGE FINANCING——Based on the Survey Data of Shaanxi and Ningxia

文章利用实地调研的1 192户农户和25个乡镇数据,采用分层模型分析了不同收入水平农户参与农地承包经营权抵押融资的意愿及其影响因素。估计结果表明,影响农户参与农地抵押意愿的因素有乡镇层面特征、农户家庭特征、农户认知;宗教信仰、融资模式、主办金融机构数目以及家庭网络关系是影响不同收入水平农户参与农地抵押融资意愿的共同因素;随着农户收入水平的增加,乡镇层面的影响因素呈现倒U型。

Based on the data of 1192 households and 25 towns, this paper analyzes the farmers＇ will- ingness to participate in the financing of rural land contractual management rights by using the hierarchical linear model. Estimation results indicate that the factors affecting the willingness of households to partici- pate in farm mortgage are the characters of the town and township level, household＇s characteristics, farmers＇ cognition. Religion, financing mode, sponsored by the number of financial institutions and family network are the common factors affect the different income level of farmers to participate in farmland mort- gage financing. With the increase of farmers＇ incomes, the influencing factors of township level present in- verted-U type.