不同模式下农地经营权抵押融资试点农户满意度评价及影响因素研究——以山东寿光、陕西高陵和宁夏同心447户农户为例

Farms' Satisfaction Evaluation and Influencing Factors of Rural Land Management Right Mortgage Financing in Different Models: Taking Shouguang Shangdong,Gaoling Shanxi,and Tongxin Ningxia for Example

运用IV Ordered Probit模型,利用447户农户问卷调查数据,实证分析不同模式下农地经营权抵押贷款农户满意度评价及影响因素。研究发现:农户整体对农地经营权抵押融资较为满意,相比市场主导模式,政府主导模式下有更多的农户对农地经营权抵押融资的满意度评价较低;抵押融资产品特征、抵押融资效果特征和金融机构特征是影响农户整体对农地经营权抵押融资满意度的主要因素;不同模式下,影响农户对农地经营权抵押融资满意度的主要因素存在差异。

This paper,based on survey data of 447 households,makes a statistical analysis of farms＇ satisfaction evaluation and influencing factors of rural land management right mortgage loans,by using IV Ordered Probit model. The results show that farmers are satisfied with rural land management right mortgage loans,however,more people in government dominant model have a lower satisfaction. Product features of mortgage loan,consequence features of mortgage loan and features of financing institution are the key factors that affect farmers＇ satisfaction. In different model,the key factors affecting farmers＇ satisfaction are different.