农户异质性对“三权”抵押融资需求意愿影响因素分析——基于陕西省4县683户的调查

Farmers Heterogeneity Will Demand for "Separation" Mortgage Finance Analysis——Based on the Survey Data of 683 Households, 4 County, Shanxi Province

本文以陕西省4个县(区)683户为样本数据,用STATA12软件进行回归,通过对影响陕西省农户各种因素对参与农村"三权"抵押融资的意愿进行分析。结果表明:户主性别、户主的学历、户主是否有打工的经历、家庭对智力资本的投入、家庭总收入及非传统农业收入对农户"三权抵押"融资贷款的意愿呈显性正相关;而户主的年龄和传统农业收入与贷款意愿呈显性负相关。为了更好地发展农村经济,政府方面应提高农户对抵押融资政策的认知及规范相关服务机构的功能,为我国城镇化建设增添助力。

In this paper, four counties in shaanxi province(area) of 683 as the sample data, regression with STATAI2 software,through the influence of various factors on farmers in shaanxi province rural 'separation' willingness to mortgage finance is analyzed.The results show that gender, education, head of the household head of the household head of the household are working experiences,the family of intellectual capital investment, household income, and non-traditional agricultural income for farmers 'separation of mortgage loans to the wishes of the dominant positive correlation. The head of the household's age and traditional agricultural income is negatively related to the loan was dominant. In order to better the development of rural economy, the government should increase the farmer's perception of mortgage finance policy and related service function specification and add power to urbanization construction in China.