發(fā)布時(shí)間：2019-01-01 19:07

【摘要】：在農(nóng)村土地三權(quán)分置的制度背景下,根據(jù)抵押農(nóng)地的經(jīng)營(yíng)權(quán)類型,農(nóng)地抵押貸款借款人可以劃分為原始承包戶和經(jīng)營(yíng)戶。筆者利用江蘇省試點(diǎn)區(qū)910戶農(nóng)戶的調(diào)研數(shù)據(jù)實(shí)證檢驗(yàn)了原始承包戶和經(jīng)營(yíng)戶對(duì)農(nóng)地抵押貸款需求的差異,研究結(jié)果表明:經(jīng)營(yíng)戶的農(nóng)地抵押貸款需求明顯高于沒有農(nóng)地流入的原始承包戶;由于經(jīng)營(yíng)戶和原始承包戶在經(jīng)營(yíng)權(quán)類型、農(nóng)地規(guī)模、風(fēng)險(xiǎn)偏好等方面存在顯著差異,原始承包戶面臨的抵押風(fēng)險(xiǎn)更高;不論是原始承包戶還是經(jīng)營(yíng)戶,抵押風(fēng)險(xiǎn)都是影響其參與農(nóng)地抵押貸款的主要因素。根據(jù)不同類型農(nóng)戶的資金需求特點(diǎn),筆者認(rèn)為農(nóng)地抵押貸款更適合從事規(guī)模化農(nóng)業(yè)生產(chǎn)的經(jīng)營(yíng)戶,對(duì)于小規(guī)模的原始承包戶應(yīng)著力推廣小額信用貸款、小額保證保險(xiǎn)貸款等產(chǎn)品。
[Abstract]:Under the background of rural land three rights division, according to the type of management right of mortgaged farmland, the mortgage loan borrower can be divided into original contractor and operator. Based on the data of 910 households in Jiangsu pilot area, the author empirically tests the difference between the original contractor and the operator on the demand for agricultural land mortgage loan. The results show that the demand for agricultural land mortgage loans of the operators is obviously higher than that of the original contractors without the inflow of agricultural land. Because there are significant differences between the operators and the original contractors in the types of management rights, the scale of agricultural land, the risk preference and so on, the mortgage risks faced by the original contractors are higher than those of the original contractors. Mortgage risk is the main factor that affects the participation of agricultural land mortgage, whether it is the original contractor or the operator. According to the characteristics of different types of farmers' capital demand, the author thinks that the agricultural land mortgage loan is more suitable for the management of large-scale agricultural production. Small guarantee insurance loans and other products.
【作者單位】： 南京農(nóng)業(yè)大學(xué)金融學(xué)院;
【基金】：國(guó)家自然科學(xué)基金青年項(xiàng)目“農(nóng)村金融機(jī)構(gòu)信貸支農(nóng)長(zhǎng)效機(jī)制研究”(項(xiàng)目編號(hào):71103088);國(guó)家自然科學(xué)基金面上項(xiàng)目“農(nóng)村土地承包經(jīng)營(yíng)權(quán)抵押、農(nóng)戶異質(zhì)性與信貸約束緩解”(項(xiàng)目編號(hào):71473124)
【分類號(hào)】：F832.43;F321.1

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