农户农地抵押贷款需求研究——基于农村区域经济差异的视角  

Demands and Factors of Farmland Mortgage Loan: Based on the Perspective of Economic Differences in Rural Regions

作　　者：黄惠春[1] 祁艳[1] 

机构地区：[1]南京农业大学金融学院,南京210095

出　　处：《农业经济问题》2015年第10期11-19,110,共9页Issues in Agricultural Economy

基　　金：国家自然科学基金青年项目"农村金融机构信贷支农长效机制研究"(编号:71103088);国家自然科学基金面上项目"农村土地承包经营权抵押;农户异质性与信贷约束缓解"(编号:71473124);农业部软科学项目"承包地经营权抵押试点运行绩效及其风险补偿机制研究"(编号:201525);中央高校科研业务费(编号:SKJD2014001;SKCX2014011)

摘　　要：本文利用江苏省1315户农户调查数据对农地抵押贷款需求及其影响因素进行分析表明,农地抵押贷款需求存在显著地区差异,发达地区农地抵押贷款需求率较欠发达地区低34.78个百分点;由于不同地区农户生产经营活动性质不同,其农地抵押贷款需求影响因素也存在差异,其中,兼业程度对发达地区农户农地抵押贷款需求具有显著的正向影响,农地面积对欠发达地区农户农地抵押贷款需求具有显著的正向影响。推进农地抵押贷款试点不应采取"一刀切"的政策,在发达地区应着重健全土地流转市场,在欠发达地区应加大社会保障支持力度。Using survey data of 1315 farmers in Jiangsu Province,we compare the demands and factors of farmland mortgage loan between regions with different levels of economic development. The results show that: 1. the demands of farmland mortgage loan have significant difference in regions. The demand rate in developed region is lower than that in underdeveloped region by 34. 78 percent. 2. Due to the different production and business activities,the factors are also different in regions. The degree of concurrent business has significant positive impact on demand of farmland mortgage loan in developed region,while the farmland size has significant positive impact on demand in underdeveloped region. Therefore,the same policy cannot be taken in different regions. We should improve the land transfer market in developed region and increase the financial support for social security in underdeveloped region.

关 键 词：农地抵押 贷款需求 区域经济差异 兼业程度 土地流转市场 

分 类 号：F321.1[经济管理—产业经济] F832.4