农地产权制度改革对农地抵押市场双重效应研究——以浙江农地抵押改革试点区为例  

Study on the Dual Effect of Farmland Property Right System Reform on Land Mortgage Market——Taking Zhejiang Agricultural Land Mortgage Reform Pilot Area as An Example

作　　者：俞滨[1] 郭延安[1] 

机构地区：[1]浙江金融职业学院

出　　处：《浙江社会科学》2018年第4期17-26,155-156,共10页Zhejiang Social Sciences

基　　金：2017年浙江省国内访问工程师校企合作项目:互联网金融视阈下小微企业融资模式研究(浙教办高科[2017]57号)的阶段性研究成果

摘　　要：农地产权制度改革对农地抵押的供给和需求会产生双重效应,其作用结果不仅关系农地产权制度改革的政策效果,而且关乎农地金融政策导向。本文基于浙江农地抵押改革试点区——宁波市江北区和丽水市松阳县的实地调研数据,建立效用函数行为模型,分析农地产权制度改革对农地抵押供给方(农村金融机构)和需求方(农业经营主体)的影响。研究结果证明:首先,有意向开展农地抵押的区域,应该重点夯实农地确权颁证、培育农村产权交易市场这两项基础性工作,完成权证的信息化管理。其次,在经济发展水平较好、农村产权交易市场发育成熟的区域,重点实施农地抵押融资的配套性制度;在经济发展水平较差、农村产权交易市场发育不成熟的区域,开展农地抵押应循序渐进,先期重点调整产业布局、明晰农地产权,后期重点培育农村产权交易市场。The reform of farmland property right system has double effects on the supply and demand of land mortgage. The result of this dual effect is not only related to the policy effect of farmland property right system reform, but also to the guidance of farmland financial policy.By surveying the field data in trial areas of farmland mortgage reform——Jiangbei district of Ningbo and Songyang County of Lishui, this paper builds a behavior model of utility function, the error term of which is subject to logistic function, to analyze the effect of farming land property rights system reform on supply side(rural financial institution) and demand side(agricultural business owners) of farmland mortgage,and the corresponding conclusions and implications are drawn.The results indicate: firstly, whether the economic development in the region is prosperous or incomplete, the confirmation of land right and the issuance of the certificate, do have a marked impact on the land mortgage intention of banks and agricultural business owners; secondly, the number of land use rights exchange, the trading platform of property rights trading, and the developing degree of rural property-rights trading market, significantly affect the bank and agricultural business owners' participation of land mortgage;thirdly, in these districts of good economic performance and mature property rights trading market, the supporting system of land mortgage implemented by government, simulates the bank and agricultural business owners' engagement, yet in the underdeveloped rural areas, where the property rights trading market is immature and government-oriented, the situation seems to be in the opposite situation.

关 键 词：农地产权制度改革 农村金融机构 农业经营主体 农地抵押 

分 类 号：F321.1[经济管理—产业经济]