插花农地抵押贷款的价值决定模型研究--基于李嘉图土地价值模型的修正

The Value-Determinated Mode of Enclave Mortgage Loaning:Amendment Based on Richard's Land Rent and Price Mode

农地承包权流转中形成的"插花农地",是人们基于利益博弈的均衡解,在其形式上体现为利益各方就空间边界、产权边界的划分与执行能力所达成的妥协。由于插花农地降低了农业企业家的经营选择范围,从而降低了土地的租值。文章将规模化程度因子、企业家选择域引进了李嘉图模型,通过模型推导,得出了农地租金与规模化程度、企业家选择域正相关、与插花农地负相关的结论,从而为插花农地进行金融机构的抵押贷款估价提供了分析工具。

＂Enclaves＂, formed during the farmland＇s contract right circulation, is a balanced solution based on the in- terests of the game, which, in its form, is demonstrated in the form of some kind of compromise among spatial boundary of each beneficial sides, division of rights＂ boundary, and executive ability. The enclaves reduce operating range of agricultural entrepreneurs, thus reducing the rent value of the land. In this paper, the scale degree factors as well as selective domains of entrepreneurs have been introduced into the Richard land rent and price mode. By mode derivation, it is concluded that the farmland＇s rent is positively correlated with the degree of land scale and selective do- mains of entrepreneurs, on the one hand, and it is negatively correlated to enclaves, on the other hand, which pro- vides an analysis tool for financial institutions to evaluate enclave land valuation for floral mortgage.