农地抵押贷款后农户融资满意度与忠诚性研究——基于业务模式、土地规模、收入水平及其交互作用  

The Research of Farms' Satisfaction and Loyalty after Rural Land Mortgage Loan:Based on Financial Model,Scale of Rural Land,Income Level and Their Interactions

作　　者：梁虎 罗剑朝[1] 曹瓅 LIANG Hu;LUO Jian-chao;CAO Li(School of Economics and Management,Northwest Agriculture and Forestry University,Yangling 712100,China;School of Finance,Nanjing University of Finance and Economics,Nanjing 210046,China)

机构地区：[1]西北农林科技大学经济管理学院,陕西杨凌712100 [2]南京财经大学金融学院,江苏南京210046

出　　处：《西安财经学院学报》2018年第5期61-68,共8页Journal of Xi’an University of Finance & Economics

基　　金：教育部创新团队项目"长江学者和创新团队发展计划"(IRT1176);国家自然科学基金面上项目(71573210);西北农林科技大学软科学研究项目(2016RKX02);西北农林科技大学人文社科项目(2014RWZD01)

摘　　要：以825份农户微观数据为例,运用含交互项的似不相关双变量Probit模型,实证分析了农户农地抵押贷款后满意度与忠诚性的影响因素。研究显示:农户对农地抵押贷款的满意度会影响其对农地抵押贷款的忠诚性。对交互项进一步研究后发现:相对于同心模式,平罗模式下土地规模对农户满意度的影响程度较大;人均土地对农户满意度与忠诚性的影响效应大小,并不受农户收入水平高低的影响;然而,随着人均土地的增加,人均收入对农户满意度和忠诚性的影响效应却显著弱化。This paper,based on survey data of 825 households in Shaanxi province,has made a statistical analysis of the farmers＇ satisfaction and loyalty of rural land mortgage loans,by using seemingly unrelated Bivariate Probit Model with interaction terms.The results show that farmers＇ satisfaction of rural land mortgage loan influence farmers＇ loyalty of rural land mortgage loan;In Pingluo finance model,farmers＇ rural land influences satisfaction of rural land mortgage loan more deeply;The influence of farmers＇ rural land doesn＇t depend on farmers＇ incomes,however,the influence of farmers＇ incomes depends on farmers＇ rural land.

关 键 词：农地抵押贷款 满意度 忠诚性 交互作用 双变量Probit 

分 类 号：F830.5[经济管理—金融学] F301.3