土地经营权抵押贷款供给意愿影响因素实证研究——以宁夏平罗、同心两个试点地区主办金融机构客户经理问卷调查数据为例  

The Empirical Research on Influencing Factors of Supply Willingness of Rural Land Management Mortgage Loan——A Case of Financial Institution Client Manager Questionnaire Data from Pilot Areas Like Pingluo and Tongxin in Ningxia Province

作　　者：罗博文[1] 梁虎 曹燕子[2,3] 

机构地区：[1]西安培华学院会计学院,陕西西安710125 [2]西北农林科技大学经济管理学院,陕西杨凌712100 [3]西北农林科技大学农村金融研究所,陕西杨凌712100

出　　处：《西部金融》2017年第10期9-17,共9页West China Finance

基　　金：陕西省金融学会2015-2016年度重点研究课题"土地经营权抵押贷款供给制约因素研究"

摘　　要：本文基于宁夏平罗、同心试点地区主办金融机构客户经理的184份问卷调查数据,运用Likert5级量表和有序Probit模型等方法,实证分析了主办金融机构开展土地经营权抵押贷款的意愿和主要影响因素。研究发现:73.4%的客户经理表示愿意积极开展该项业务,4.3%的客户经理持消极回避态度,22.3%的客户经理意愿为一般,表明西部试点地区金融机构开展土地经营权抵押贷款业务的意愿总体较高。工作年限、抵押土地特征(抵押土地估值难易、处置抵押权难易、处置抵押土地收益弥补贷款违约本息程度)、业务特征(贷款业务量和业务前景)、金融环境特征(担保体系健全程度和政府部门扶持)、办理手续和主导模式是影响客户经理对土地经营权抵押贷款意愿的主要因素。Based on questionnaire data from 184 client managers of host finance institutions of pilot areas like Pingluo and Tongxin in Ningxia province, using methods like Likert and ordered Probit model, the paper makes an empirical analysis on supply willingness and influencing factors of host finance institutions＇ rural land management mortgage loan. The research fmds that 73.4% of client managers are willing to carry out the business, 4.3% of those are passive, and 22.3% of those are neutral, which means that the willingness of financial institutions in pilot western areas to carry out the business of rural land management mortgage loan is higher as a whole. Working years, features of mortgaged land （degree of the difficulty in valuating mortgaged land, degree of difficulty in handling mortgaged land, degree of handling earnings＇ making up default loss）, features of loan transaction （volume of business and its prospect）, features of finance environment （degree of improvement of guarantee system and support from local government） as well as handling procedures and dominant modes are main factors influencing client managers＇ willingness to carry out rural land management mortgage loan.

关 键 词：土地经营权抵押贷款 主办金融机构 供给意愿 有序PROBIT模型 

分 类 号：F832.2[经济管理—金融学]