风险认知视角下农户参与农村住房抵押贷款意愿影响因素研究——基于山西、河南、安徽三省问卷调查  

Research on factors of farmers’ willingness to participate in rural housing mortgage loan from the perspective of risk perception——Based on questionnaires in Shanxi, Henan and Anhui Provinces

作　　者：林超[1] 张林艳 秦玉莹 LIN Chao;ZHANG Lin-yan;QIN Yu-ying(School of Public Administration,Shanxi University of Finance and Economics,Taiyuan 030006,China;School of Public Administration,Tianjin University of Commerce,Tianjin 300134,China)

机构地区：[1]山西财经大学公共管理学院,太原030006 [2]天津商业大学公共管理学院,天津300134

出　　处：《天津商业大学学报》2020年第1期58-62,共5页Journal of Tianjin University of Commerce

基　　金：国家社会科学基金项目“农民阶层分化背景下宅基地流转与农民住房保障的互动机理及其政策协同研究”(17BSH077)

摘　　要：探究风险认知视角下农户参与农村住房抵押贷款的影响因素,为推动我国农村住房财产权抵押试点提供参考和借鉴。通过内外部因素分析农户的风险认知与参与意愿之间的理论关系,并采用山西、河南、安徽三省问卷数据,建立Logistics模型进行实证研究,研究结果表明:(1)突发事件对农村住房抵押意愿呈负向显著影响;(2)家庭劳动力人口对农村住房抵押意愿呈负向影响;(3)借贷经验和贷款需求对农村住房抵押意愿呈正向显著影响;(4)住房数量对农村住房抵押意愿呈负向影响。下一步改革试点工作应该充分考虑农户在抵押活动中对风险的认知与反馈,发展和完善风险缓释机制。深化农村宅基地制度改革,降低农户宅基地生活保障依赖。完善农村抵押住房市场环境,制定差异化住房贷款政策,促进农户参与农村住房抵押活动。The paper explores the factors of farmers’participation in rural housing mortgage loan from the perspective of risk perception,and tries to provide reference for pushing the pilot project of rural housing property right mortgage in China.It analyzes the theoretical relationship between farmers’risk perception and participation willingness through internal and external factors,and constructs the Logistic model to make an empirical study based on the questionnaires in Shanxi,Henan and Anhui Provinces.The results show that the emergency has a significant negative effect on rural housing mortgage willingness and the number of family labor force has a negative effect on rural housing mortgage will-ingness while the experience of loan and the demand for loan have a significant positive effect on rural housing mortgage willingness,and the number of housing has a negative effect on rural housing mortgage willingness.Therefore,in the subsequent pilot reform,it’s necessary to take into consideration the farmers’risk perception and feedback in mortgage and develop and improve the risk mitigant mechanism,deepen the institutional reform of rural homestead and reduce farmers’dependence on rural homestead to obtain living security,and improve the market environment of rural housing mortgage and make the differentiated policy of housing loan to push farmers’participation in rural housing mortgage.

关 键 词：农户参与 家庭劳动力 贷款需求 住房贷款 认知视角 住房市场 参与意愿 差异化 

分 类 号：F321.1[经济管理—产业经济]