西部地区农村产权抵押融资政策效果评价——基于陕西、宁夏的农户数据  

Evaluation on Effects of Financing Policy for Rural Property Rights Mortgage in Western Areas——Based on Data of Households in Shaanxi and Ningxia Province

作　　者：杨希[1] 罗剑朝[1] 

机构地区：[1]西北农林科技大学经济管理学院,陕西杨凌712100

出　　处：《西北农林科技大学学报（社会科学版）》2015年第1期95-100,106,共7页Journal of Northwest A&F University(Social Science Edition)

基　　金：教育部2011年长江学者和创新团队发展计划资助项目(IRT1176);国家自然科学基金项目(71073126);2010年度高等学校博士学科点专项科研基金课题(20100204110030)

摘　　要：采用2013年7-8月对陕西、宁夏地区农户关于农村产权抵押融资政策效果评价的调查数据,运用多元有序Logistic模型对农村产权抵押融资效果和影响因素进行分析。研究发现,农村产权抵押融资效果总体较为理想;文化程度、耕地面积、政策了解程度、参与抵押意愿、满足资金需要、实际解决困难、服务满意度是影响农户对农村产权抵押融资效果评价的关键因素。家庭规模、经营类型、家庭年均收入、金融机构的数目、信誉、交通便利程度对农户评价无显著影响。提出扩大农村产权抵押融资覆盖范围、完善农村产权抵押融资政策执行机制、鼓励农户参与产权抵押融资管理等建议。This article evaluates the effects and influencing factors of financing policy for rural property rights mortgage by using the multiple orderly logistic model and the investigation data of the households in Shaanxi and Ningxia during July and August of 2013.The research findings show that evaluation of the financing policy for rural property rights mortgage has an ideal effect overall.Education degree,arable land,policy understanding degree,willingness to participate in mortgages,meeting the needs of the funds,actually solving difficulties and service satisfaction are the key influencing factors for evaluation effect of financing policy for rural property rights mortgage.Finally,this paper puts forward three kinds of policy suggestions from enlarging the coverage of rural property rights mortgage,perfecting rural property mortgage financing policy implementation mechanism,and encouraging farmers to participate in property mortgage finance management.

关 键 词：农村产权 抵押融资 多元有序 LOGISTIC模型 效果评价 

分 类 号：F832.43[经济管理—金融学]