摘要
在中国农地经营权抵押贷款实践中,抵押权人主要有担保中介和金融机构两类。本文以宁夏农地产权抵押试点区农户为样本,考察不同抵押权人对农户抵押贷款是否配给、多大程度配给两步决策的相互作用关系及影响因素差异。结果表明:(1)“是否信贷配给”在两类抵押权人信贷配给决策中都起着主导作用;(2)两类抵押权人虽然都排斥有过融资约束经历及规模经营农户,但是又有各自偏好;(3)同一影响因素在两类抵押权人信贷配给决策中都存在着不同权重,甚至影响方向也并不一致。
In the practice of China s farmland management right mortgage loan,there are mainly two types of mortgagees:the guarantee agency and the financial institution.Based on the sample of rural households in Ningxia farmland property rights pilots,this paper uses the double-hurdle model to compare the interaction and influence factors of the two-step decision-making of whether and to what extent different mortgagees allocate their mortgage loans to rural households.The results show that:(1)credit rationing plays a leading role in the decision-making of credit rationing of two types of mortgagees;(2)although excluding rural households who experienced financing constraints and scale management,both types of mortgagees have their own preferences;(3)the same influencing factors have different weights in the decision-making of credit rationing of two types of mortgagees,and even the influencing direction is not the same.
作者
李韬
LI Tao(Northwest A&F University,Yangling 712100)
出处
《经济与管理研究》
CSSCI
北大核心
2020年第8期93-103,共11页
Research on Economics and Management
基金
国家自然科学基金面上项目“权属来源、用途特性‘经营规模视角下农地经营权抵押约束的实证研究’”(71773090)
教育部人文社会科学研究青年基金项目“农户农地经营权反担保贷款可得性研究:机理、实证与对策”(15XJC790004)
陕西省社会科学基金项目“陕西与丝绸之路沿线国家在农业科技方面的合作:基于杨凌示范区的作用研究”(13SC023)
陕西省社科界2020年度重大理论与现实问题研究项目“陕西省农村集体经济金融支持及其模式研究”(2020Z300)
中央高校基本科研业务费“农地流转背景下新型农业经营主体的金融支持研究”(2452020059)。
关键词
农地经营权
抵押贷款
信贷配给
抵押权人
农户
双槛模型
farmland management right
mortgage loan
credit rationing
mortgagee
rural household
double-hurdle model
