摘要
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.
出处
《财贸研究》
CSSCI
北大核心
2017年第11期52-60,100,共10页
Finance and Trade Research
基金
教育部2011年度"长江学者和创新团队发展计划"创新团队项目"西部地区农村金融市场配置效率
供求均衡与产权抵押融资模式研究"(IRT1176)
国家自然科学基金面上项目"农村土地承包经营权抵押融资试点效果评价
运作模式与支持政策研究"(71573210)
西北农林科技大学基本科研业务费-人文社科项目"农村土地承包经营权抵押担保融资效果评价
运作模式与支持政策研究"(2014RWZD01)
关键词
农地经营权
抵押融资
政府主导模式
市场主导模式
农户满意度
rural land management right
mortgage loan
government dominant model
Market leadingmodel
farmers' satisfaction