农户土地承包经营权抵押融资意愿分析——基于江苏太仓市农户的调查

Analysis of Farmers' Willingness of Mortgage Financing of Land Contractual Management Right——Based on the Survey of Farmer Households in Taicang

文章在实地调研以及文献分析的基础上,从农户因素、政府因素、金融机构三方面选取影响农户土地承包经营权抵押融资意愿的因子时行实地研究。研究发现:风险偏好、金融机构的放贷利率、农户拥有的土地面积、政府是否支持及农户对贷款的需求程度,是影响农户参与土地承包经营权抵押融资意愿的主要因素。建议在法律和政策层面引导农民风险偏好观念;适当降低金融机构放贷利率,采取有差别贷款政策,实施小额信贷贴息;政府承担第三方角色,提高农户参与土地承包经营权抵押融资意愿。

Based on the survey and documentary research,the paper analyses the factors influencing farmers＇ willingness of mortgage financing of land contractual management right from three aspects：farmers,government and financial institutions.The research shows that risk preference,the interest rate of loan,land area,government support and demand for loans are all significant factors which impact the farmer＇s willingness of mortgage financing of land contractual management right.Therefore,we present some suggestions both on legal and policy level.We should guide farmers＇ risk preference,properly decrease financial lending rates,implement discriminatory loan policy and micro-loan interest discount as well.The government should take responsibility as a third party in order to improve farmers＇ willingness to participate in the mortgage financing of land contractual management right.