农村家庭教育贷款反映了土地使用权价值吗  

Does the Education Bank loan of China Rural Household Reflect the Value of Land Entitlement?

作　　者：黄璟宜[1] 笪亨果 许坤[3] Huang Jingyi1 Dan Hengguo2 Xu Kun3

机构地区：[1]西南财经大学金融学院 [2]西南财经大学经济学院 [3]西南财经大学中国金融研究中心

出　　处：《财经科学》2017年第2期51-63,共13页Finance & Economics

摘　　要：本文使用中国家庭金融调查(CHFS)数据中的农村样本,运用银行的信息生产理论,采用LOG IT模型进行估计,实证发现了在农村教育贷款中,农村家庭具有土地使用权可以显著提高其银行贷款的可得性,同时发现了农村家庭具有集体建设用地的使用权与农村家庭的银行贷款的可获得性之间具有显著的正向关系。因此,本文建议大力推进农村土地使用权确权颁证工作,加快流转市场建设,实现合理市场定价,并有助于改善农村家庭教育落后现状。This paper uses the rural household samples from the China household finance survey （CHFS） in 2011 and gets the sample size of 3242 after selection. Based on model of LOGIT, we empirical find that in the education loan market, the land control entitlement of rural household can significantly increase the access to bank loan and there is also a positive relationship between the control entitlement of construction land belonging to rural household and access to bank loan. This paper proposes to promote the certification of land control entitlement of rural household, speed up the construction of deal market, realize reasonable market pricing, and help to improve the backwardness of rural household education.

关 键 词：土地使用权 集体建设用地 教育贷款 

分 类 号：F832.4[经济管理—金融学] F321.1