摘要
通过对324个样本农户的农地抵押贷款相关问题进行调查,运用有序Logistic模型对农户土地承包经营权抵押贷款意愿额度及其影响因素进行了实证分析。结果表明,农户年龄、受教育程度、职业类型、家庭生产性支出、资金困难状况、土地流转状况、政策了解状况及融资便利程度对农户土地承包经营权抵押贷款意愿额度具有显著影响。在此基础上,提出了要加大对土地承包经营权抵押贷款政策的宣传力度、增设正规金融机构在偏远地区的网点及正规金融机构要有针对性地为农户提供金融产品等对策建议。
On the basis of 324 sample survey on farmland mortgage loans of peasants, an empirical analysis with the method of Ordinal Logistic Model is conducted on peasants' willingness quota for mortgage loans of land contract and management right and its influencing factors. The results indicate that the influencing factors, such as age, education level, occupation, family productive expenditure, financial condition, land circulation, knowledge of related policies and financing convenience, are significant to peasants' willingness quota for mortgage loans. Therefore, this paper puts forward some countermeasures and suggestions, for instance, increasing the publicity of mortgage loans of land contract and management right, setting up more branches of financial institutions in remote areas and providing customized financial products for local peasants.
作者
王芳
马玲玲
WANG Fang;MA Lingling(Business School, Zhengzhou University, Zhengzhou 450001, China)
出处
《河南工业大学学报(社会科学版)》
2019年第1期60-70,共11页
Journal of Henan University of Technology:Social Science Edition
基金
2014年国家社会科学基金项目"农村土地承包经营权抵押融资政策的农户行为响应及政策优化研究"(14CJY041)
2017年河南省软科学研究计划项目"河南省科技金融绩效评价及提升策略研究"(172400410352)
2015年郑州大学青年骨干教师项目"现代农业发展进程中农村金融支持体系的优化研究--以河南省为例"