基于不同农户分化类型的农地经营权抵押贷款需求研究——来自陕西高陵的实证分析  

Researchon the Demand for Mortgage Loans of Farmland Management Rights Based on Different Types of Rural Household Differentiation——The Empirical Analysis from Gaoling,Shaanxi

作　　者：牛荣[1] 闫啸 罗剑朝[1] NIU Rong;YAN Xiao;LUO Jian-chao(College of Economics and Management,Southwest A&F University,Yangling Shaanxi 712100,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

出　　处：《北京联合大学学报（人文社会科学版）》2021年第1期90-100,124,共12页Journal of Beijing Union University(Humanities and Social Sciences)

基　　金：国家自然科学基金项目“农地经营权抵押贷款信贷约束检验与模式优化研究———基于农户分化视角”(项目编号:71603208);陕西省社会科学基金项目“基于合作金融视角的农户与新型经营主体利益联结机制研究”(项目编号:2019D030);陕西省社科界重大理论与现实问题项目“关中地区土地流转模式研究”(项目编号:2020Z308)。

摘　　要：本文基于可持续生计资产理论,将陕西省1469户农户依据生计资产配置结构分为五种类型,研究农户分化类型及其农地抵押贷款需求,分析发现农户分化明显,五种类型农户呈现三个总的向度:一向度为农业人力贫困型和关系贫困型农户、二向度为非农负债发展型和富裕型农户、三向度为均衡发展型农户。分化农户对农地抵押贷款需求呈“U”型,负债发展型、人力贫困型和关系贫困型农户对农地抵押贷款需求旺盛,非农富裕型和均衡发展型农户对农地抵押贷款的需求不强烈。为满足分化农户贷款需求变迁特征,发挥农地抵押贷款农户增收作用,丰富分化农户生计资产,促使一向度农业贫困型农户向二、三向度农户转化,提出对不同生计资产配置类型农户农地经营权抵押贷款实行“差异供给”、创新农信社贷款产品、组建农民专业合作社、开展就业培训等深化农户农地经营权抵押贷款改革的对策建议。Based on the theory of sustainable livelihood assets,this paper divides 1,469 rural households in Shaanxi Province into five types according to their livelihood asset allocation structure,and analyzes the differentiation types of farmers and the willingness of their demands for farmland mortgage loan.There are three general dimensions for the five types of farmers:the first is agricultural labor-poor and relationship-poor farmers,the second is non-agricultural debt development and wealthy farmers,and the third is balanced development.The willingness of farmers of different differentiation types of demand for farmland mortgage loan shows a“U”type.The debt-developed,the poverty-stricken and relationship-poor farmers have a strong demand for farmland mortgage loans,and non-agricultural wealthy and balanced development farmers have less demand for farmland mortgage loans.In order to promote the transformation of one-way agricultural poor farmers into two-and three-way farmers,to enrich and differentiate the livelihood assets of farmers and meet the changing characteristics of their loan needs,it is proposed to implement“differential supply”of farmland management rights mortgage loans for farmers with different livelihood asset allocation types:the rural credit cooperative innovative loan products,the formation of professional farmers’cooperatives,employment training and other countermeasures to promote farmers’mortgage rights to farmland management rights.

关 键 词：生计资产 农户分化类型 农地经营权抵押贷款 贷款需求 

分 类 号：F323.9[经济管理—产业经济]