农业供给侧改革背景下农地经营权抵押贷款博弈机制分析

Game Mechanism Analysis of Rural Land Management Right Mortgage in Agricultural Supply-side Reform

当前我国农地细碎化现象严重,难以适应农业现代化发展的需求。而开展农地抵押贷款可以有效解决农户资源难题,促进农地规模经营,实现农业现代化。本文通过建立博弈模型对农地抵押贷款博弈机制进行分析发现:抵押物的处置难度、农村社会保障、农村征信系统等会影响农户和金融机构在抵押过程中的选择,故提出以下建议:降低抵押物处置难度;完善农村社会保障制度;建立农村征信系统等。

The current farmland fragmentation phenomenon is serious in our country,which makes it difficult to adapt to the development demand of agricultural modernization.The development of agricultural land mortgage can effectively solve the problem of farmers’resources,promote the scale operation of farmland,and realize agricultural modernization.This paper establishes a Game model to analyze land mortgage game mechanism,and finds out many factors such as the difficulty of disposition of collateral,rural social security,and rural credit system will influence the choices of farmers and financial institutions in the mortgage process.The paper puts forward the following suggestions:reducing collateral disposal difficulty,perfecting the rural social security system,and establishing rural credit system and so on.