农户参与宅基地使用权抵押贷款意愿的影响因素分析——基于肥城市447个样本数据

Influencing factors of farmers' willingness to participate in mortgage loan for homestead use right——Based on 447sample data of Feicheng

推进宅基地使用权抵押贷款业务的发展,是显化宅基地使用权资产属性、增加农民收入、促进农村经济发展的重要途径。本文通过分析山东省肥城市447户农村家庭农村宅基地使用权抵押贷款调查问卷中的一系列变量,探究了农户参与宅基地使用权抵押贷款的影响因素。并运用Logistic模型对户主特征变量、家庭特征变量、贷款需求变量3大类共12个变量进行了农户参与宅基地使用权抵押贷款的影响因素分析。结果表明,文化程度、风险偏好、年人均收入、兼业程度、借贷经验、贷款期望额、抵押用途7个因素对农户参与宅基地使用权抵押贷款意愿有显著影响。基于此,提出推进宅基地使用权抵押贷款业务,应注重不同收入水平和兼业程度农户的融资需求和意愿特征、完善社会保障体系、加强对宅基地使用权抵押贷款业务的宣传的政策建议。

Promoting the development of home mortgage loan business is an important way to manifest the property rights of homestead use rights,increase farmers’ income,and promote rural economic development.This paper analyzes a series of variables in the questionnaire of 447 rural household housing land use rights mortgage loans in Feicheng City,Shandong Province,and explores the influencing factors of farmers’ participation in mortgage loans for homestead use rights.Selecting 12 variables from three aspects such as the head of household characteristics variables,family characteristics variables and loan demand variables,and using Logistic model,the article analyzes the influencing factors of farmers’ willingness to participate in mortgage loan for homestead use right.The results show that education level,risk appetite,annual per capita income,parttime employment,loan experience,loan expectation and mortgage use have significant effects on farmers’ willingness to participate in mortgage loans for homestead use.On this basis,the paper gives relevant policy opinions.