不同规模农地抵押贷款可得性研究

Availability of Rural Land Contractual Management Right Mortgage From Different Land Scale

以南阳市427户农户调查数据为样本,运用二元Logit回归模型对三类不同土地规模农户的农地抵押贷款可得性及其影响因素进行分析。结果发现,户主年龄、文化程度、家庭收入、房屋价值、社会资本、对贷款政策了解度及土地规模差异均对农户农地抵押贷款可得性具有显著影响。其中,家庭收入与房屋价值是影响不同土地规模农户农地抵押贷款可得性的共同因素,土地规模是影响农地抵押贷款可得性最为直接的关键性因素,随着土地规模增加,金融机构贷款审批更注重农户个人信用程度、社会资本和风险保障措施。

With the survey data of 427 farmer households in Nanyang as the samples,and using binary Logit regression model,availability of land mortgage loans of three kinds of land scale farmers and its influencing factors were analyzed.The results showed that farmers’ age,education level and family income,housing value,social capital,loan policy understanding degree and scale of land have significant influence on land mortgage loans to farmers.Among which,the family income and housing value are common factors to influence land mortgage loans of farmers with different land scale,the scale of land is the direct key factor to availability of farmland mortgage loans.With the scale of land increasing,financial institutions pay more attention to the farmers’ personal credit degree,social capital and risk control measures in loan approval.