政府与市场不同主导模式下农地抵押贷款供给意愿研究  

An Analysis of Supply Willingness of Rural Land Mortgage Loan in Government and Market Orientation Model

作　　者：梁虎 罗剑朝[2] LIANG Hu;LUO Jian-chao(School of Economics and Management,Wuhan University,Wuhan 430072,China;Institute for Rural Finance,Northwest Agriculture and Forestry University,Yangling 712100,China)

机构地区：[1]武汉大学经济与管理学院,湖北武汉430072 [2]西北农林科技大学农村金融研究所,陕西杨凌712100

出　　处：《现代财经（天津财经大学学报）》2018年第9期92-103,共12页Modern Finance and Economics：Journal of Tianjin University of Finance and Economics

基　　金：国家自然科学基金面上项目(71573210);教育部"长江学者和创新团队发展计划"创新团队项目(IRT1176)

摘　　要：利用宁夏229个信贷员样本数据,运用OLogit模型,实证研究了政府与市场不同主导模式下农地抵押贷款供给意愿及影响因素,揭示了在自变量影响下,因变量不同类别取值的概率及其变化情况。研究表明现阶段西部地区农地抵押贷款供给意愿总体较高,政府主导模式下的供给意愿要高于市场主导模式,且供给意愿在逐年递减;经过稳健性检验后发现,农户特征和业务特征等是制约农地抵押贷款供给意愿的重要因素;市场主导模式下,家庭收入、家庭支出、文化水平、贷款违约后处置抵押土地弥补贷款本息的程度、贷款业务量、业务风险、政策措施健全程度对农地抵押贷款供给意愿有显著影响;政府主导模式下,农户特征、工作年限、抵押土地特征、业务特征、政府部门的扶持和时间因素对供给意愿有显著影响。为更好促进农地抵押贷款业务开展,政府应该因地制宜地开展农地抵押贷款业务、完善政策依据、加大政府财政支持力度并改善农地估值方法。This paper, based on survey data of 229 load offiers, has made a statistical analysis of supply willingness and influencing factors of rural land mortgage loans. It also calculates the OR of independent variable and the probability of certain value for dependent variable and its tendency of value change by using post-estimation. The results show that loan officers in western areas are will-ing to supply rural land mortgage loans. Supply willingness in market orientation model is lower than that in government orientation model. Additionally, the supply willingness is descending year by year. After test, farmer features and business features of rural land mortgage loan are proved to be the key factors that affect financial institutions＇ supply willingness. In different business model, the key factors are different. Finally, some suggestions are put forwards to advance the develop-ment of rural land mortgage loan.

关 键 词：农地抵押贷款 供给意愿 业务模式 OLogit模型 

分 类 号：F830.34[经济管理—金融学]