农户参与农房抵押贷款意愿的研究——基于山东、安徽228户农户的调查

Farmers' Willingness to Participate in Rural Housing Mortgage Loans Based on Questionnaire Survey of 228 Households from Shandong and Anhui

通过对山东省潍坊市、安徽省安庆市的228户农户进行实地问卷调查,研究并分析了农户对农房抵押贷款的参与意愿及相关原因。研究结果表明:农户对于农房抵押贷款具有一定参与意愿,不同地区农户参与意愿有着较为明显的差异,被调查农户中潍坊市农户参与意愿高于安庆市农户;对农房生活保障功能的依赖是阻碍农户参与的主要原因;金融机构的正规性、自身的偿还能力以及政策细节与稳定性是农户在选择参与农房抵押贷款时所关注的主要方面;在政策期望方面,简化抵押贷款的手续步骤、加大政策宣传、降低贷款利息等得到较高关注。

Based on the field survey of 228 farmers from Weifang city in Shandong province and Anqing city in Anhui province, the study explored farmers＇ willingness to participate in rural housing mortgage loans and the relevant reasons. The results showed that there were a certain number of farmers who were willing to participate in rural housing mortgage loans. The willingness of farmers from different regions had obvious differences, and farmers in Weifang city were more willing to participate in rural housing mortgage loans than those in Anqing city. Dependence on the life security function of rural housing was the main reason hindering farmers＇ participation. Apart from that, the normality of financial institutions, farmers＇ abilities to repay, as well as policy details and stability were the main aspects that farmers were concerned about. What＇s more, simplifying the procedures of mortgage loans, increasing policy advocacy and reducing loan interest rates had drawn high attention in terms of policy expectations.