农地经营权抵押融资可得性及影响因素分析

为了解农地经营权抵押融资对农户资金需求的满足情况,利用宁夏同心县、平罗县两地农户调查数据,通过双变量Probit模型对农户农地经营权抵押融资可得性及其影响因素进行了实证研究。结果表明:1)市场主导型农地经营权抵押融资模式下,农户和农村金融机构参与业务积极性较强,贷款可得性较高;2)农户农地经营权抵押融资业务可得性与年龄增长呈现倒"U"型曲线特征;3)供养比、现金/储蓄、生产支出越高的农户参与贷款可得性越低;家庭土地价值、农业收入、非金融资产总值越高、交通越便利,农户贷款可得性越高。因此,为提高农户农地经营权抵押融资可得性,应考虑当地金融与信用环境,优先采用市场主导型模式;合理设计农地经营权抵押贷款评估方案;提供差异化金融服务,满足农户多层次的贷款需求。

Credit availability for rural land contracted right mortgage loan and its impact factorsCAO Li1, LUO Jianchao2, 3*

In order to know whether the rural land contracted right mortgage loan meets the needs of households'' funds, based on a households'' survey data of Tongxin and Pingluo counties, Ningxia, the credit availability for rural land contracted rights mortgage loan and its impact factors are analyzed by using a bivariate Probit model. The results show that: 1)Compared with the government-led pattern of land mortgage loan, households and rural financial institutions are more active in the market-led pattern and the credit availability is also higher; 2)The middle-aged households have the highest availability to the mortgage loan; 3)Households who have the higher supply ratio, the more cash/savings and the higher production expenditure, their credit availabilities are lower. With the higher land value, the more agricultural income, the higher the non-financial assets, the more convenient transportation, the availability of the loans is also higher. Therefore, in order to further promote the development of rural land contracted right mortgage financing pilot business and improve the availability of households'' loans, in areas with good financial ecological environment and households'' credit, priority should be given to market-led pattern. The land value and land scale should be jointly included in the evaluation scheme of rural land contracted right mortgage. Providing differentiated financial services to meet the multi-level loan needs of households.