异质性视角下农地经营权抵押贷款可得性分析

On the Availability of Mortgage Loans for Agricultural Land Management Rights From the Perspective of Heterogeneity

为了解农户异质性对农地经营权抵押贷款可得性的影响,文章从农业联合体异质性、农地经营规模异质性和农户主体异质性三个角度出发,对安徽省试点地区埇桥区551个样本农户进行实地调研,采用双变量Logistic模型对农地经营权抵押贷款的需求意愿和供给意愿进行实证分析。结果表明,加入农业产业联合体和具有较高农地规模的农户显著提高了其获得土地抵押贷款的可得性,而农户主体类型和获得土地抵押贷款的可得性之间没有显著关联。因此,应当继续加快土地规模化流转进程、有效整合新型农业经营主体。

To understand the impact of farmer heterogeneity on the availability of mortgage loans for agricultural land management rights,this article conducts a field survey on 551 sample farmers in Yongqiao District,Anhui Province,from three perspectives:heterogeneity of agricultural consortia,heterogeneity of agricultural land management scale,and heterogeneity of farmer entities.A bivariate logistic model is used to empirically analyze the demand and supply willingness of mortgage loans for agricultural land management rights.The results showed that joining the agricultural industry consortium and farmers with higher agricultural land scale significantly improved their accessibility to land mortgage loans,while there was no significant correlation between the type of farmer entity and the accessibility of land mortgage loans.Therefore,it is necessary to continue to accelerate the process of large scale land transfer and effectively integrate new agricultural management entities.