本文選題：農(nóng)村土地經(jīng)營(yíng)權(quán) + 抵押融資�。� 參考：《西北農(nóng)林科技大學(xué)》2017年碩士論文

【摘要】：隨著農(nóng)業(yè)產(chǎn)業(yè)化和規(guī)�；陌l(fā)展,新型農(nóng)業(yè)生產(chǎn)經(jīng)營(yíng)組織不斷涌現(xiàn),對(duì)信貸資金需求不斷擴(kuò)大,然而大多數(shù)農(nóng)戶由于缺乏有效的抵押物,從正規(guī)金融機(jī)構(gòu)獲得貸款較困難,難以滿足大規(guī)模經(jīng)營(yíng)生產(chǎn)的需要,融資難問(wèn)題已經(jīng)成為制約“三農(nóng)”發(fā)展的一個(gè)重要瓶頸。為了快速推進(jìn)現(xiàn)代農(nóng)業(yè)發(fā)展,解決農(nóng)戶融資難的問(wèn)題,國(guó)家提出農(nóng)村土地“三權(quán)分置”的概念,并允許土地經(jīng)營(yíng)權(quán)作為抵押物向金融機(jī)構(gòu)進(jìn)行抵押融資,以增加農(nóng)村的資金供給,促進(jìn)我國(guó)農(nóng)業(yè)經(jīng)營(yíng)方式由傳統(tǒng)農(nóng)業(yè)向現(xiàn)代化農(nóng)業(yè)轉(zhuǎn)變,實(shí)現(xiàn)規(guī)�；�(jīng)營(yíng)、現(xiàn)代化管理,為進(jìn)一步增加農(nóng)民收入和促進(jìn)農(nóng)村經(jīng)濟(jì)發(fā)展提供了發(fā)展路徑和制度保障。本文在農(nóng)村土地產(chǎn)權(quán)“三權(quán)分置”背景下,以“純抵押型”和“抵押+擔(dān)保型”農(nóng)村土地經(jīng)營(yíng)權(quán)抵押融資模式運(yùn)行為研究對(duì)象,總結(jié)歸納農(nóng)村土地經(jīng)營(yíng)權(quán)抵押融資模式運(yùn)行的現(xiàn)狀、特征和主要存在問(wèn)題,并通過(guò)對(duì)試點(diǎn)地區(qū)調(diào)研數(shù)據(jù)和統(tǒng)計(jì)資料的整理,從農(nóng)戶自身特征、政策環(huán)境特征、金融機(jī)構(gòu)特征三個(gè)方面,構(gòu)建二元logit回歸模型分析農(nóng)村土地經(jīng)營(yíng)權(quán)抵押融資模式運(yùn)行的影響因素。通過(guò)實(shí)證回歸分析,研究發(fā)現(xiàn)家庭資產(chǎn)、信用等級(jí)、政府貼息、參與農(nóng)業(yè)保險(xiǎn)、銀行的積極性、貸后監(jiān)管力度與“純抵押型”農(nóng)村土地經(jīng)營(yíng)權(quán)抵押融資模式運(yùn)行有顯著的正向影響;家庭資產(chǎn)、土地經(jīng)營(yíng)面積、信用等級(jí)、參與農(nóng)業(yè)保險(xiǎn)、土地價(jià)值評(píng)估體系、貸后的監(jiān)管力度與“抵押+擔(dān)保型”農(nóng)村土地經(jīng)營(yíng)權(quán)抵押融資模式運(yùn)行有顯著的正向影響;貸款利率與農(nóng)村土地經(jīng)營(yíng)權(quán)抵押融資模式運(yùn)行有顯著的負(fù)向影響。最后,從加強(qiáng)農(nóng)村征信管理、加強(qiáng)產(chǎn)權(quán)交易市場(chǎng)建設(shè)、完善價(jià)值評(píng)估體系、風(fēng)險(xiǎn)分擔(dān)等角度提出完善農(nóng)村土地經(jīng)營(yíng)權(quán)抵押融資模式運(yùn)行的政策建議。
[Abstract]:With the development of agricultural industrialization and scale, new agricultural production and management organizations are emerging and the demand for credit funds is expanding. However, because most farmers lack effective collateral, it is more difficult to obtain loans from formal financial institutions. It is difficult to meet the needs of large-scale operation and production, and the problem of financing has become an important bottleneck restricting the development of agriculture, rural areas and farmers. In order to promote the development of modern agriculture quickly and solve the problem of farmers' financing difficulty, the state put forward the concept of "three rights division" of rural land, and allowed the land management right to mortgage financing to financial institutions as collateral. In order to increase the supply of funds in rural areas, to promote the transformation of agricultural management from traditional agriculture to modern agriculture, and to realize large-scale operation and modern management, It provides development path and system guarantee for further increasing farmers' income and promoting rural economic development. Under the background of "three rights separate structure" of rural land property right, this paper takes the operation of "pure mortgage" and "mortgage guarantee" mode of rural land management right mortgage financing as the research object. This paper summarizes and summarizes the current situation, characteristics and main problems of the operation of mortgage financing mode of rural land management right, and through the collation of the investigation data and statistical data of the pilot area, from the characteristics of the farmers themselves, the characteristics of the policy environment. This paper constructs a dual logit regression model to analyze the influencing factors of the operation of the mortgage financing mode of rural land management right in three aspects of the characteristics of financial institutions. Through empirical regression analysis, the study found that household assets, credit rating, government discount interest, participation in agricultural insurance, bank enthusiasm, The strength of supervision after loan and the operation of "pure mortgage" land management right mortgage financing mode have significant positive influence; household assets, land management area, credit grade, participation in agricultural insurance, land value evaluation system, The supervision strength after loan and the operation of "mortgage guarantee" rural land management right mortgage financing mode have significant positive influence, while the loan interest rate and the rural land management right mortgage financing mode operation have significant negative influence. Finally, from the perspective of strengthening the management of rural credit information, strengthening the construction of property rights trading market, perfecting the value evaluation system and risk sharing, the paper puts forward some policy suggestions to improve the operation of the mode of mortgage financing of rural land management right.
【學(xué)位授予單位】：西北農(nóng)林科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.43;F321.1

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 張守夫;張少停;;“三權(quán)分置”下農(nóng)村土地承包權(quán)制度改革的戰(zhàn)略思考[J];農(nóng)業(yè)經(jīng)濟(jì)問(wèn)題;2017年02期

2 呂德宏;朱瑩;;農(nóng)戶小額信貸風(fēng)險(xiǎn)影響因素層次差異性研究[J];管理評(píng)論;2017年01期

3 丁毅森;;農(nóng)村土地經(jīng)營(yíng)權(quán)抵押貸款助力供給側(cè)結(jié)構(gòu)性改革[J];農(nóng)村經(jīng)濟(jì)與科技;2017年02期

4 黃惠春;徐霽月;;中國(guó)農(nóng)地經(jīng)營(yíng)權(quán)抵押貸款實(shí)踐模式與發(fā)展路徑——基于抵押品功能的視角[J];農(nóng)業(yè)經(jīng)濟(jì)問(wèn)題;2016年12期

5 王敏;;中國(guó)特色農(nóng)村承包土地經(jīng)營(yíng)權(quán)抵押貸款制度構(gòu)建——基于土地所有權(quán)、承包權(quán)和經(jīng)營(yíng)權(quán)分置的視角[J];改革與戰(zhàn)略;2017年01期

6 羅偉;雷松;;安義縣農(nóng)村承包土地經(jīng)營(yíng)權(quán)抵押貸款試點(diǎn)工作的探索與創(chuàng)新[J];金融與經(jīng)濟(jì);2016年09期

7 李宏偉;;土地經(jīng)營(yíng)權(quán)抵押融資再認(rèn)識(shí)[J];中國(guó)金融;2016年17期

8 李宏偉;;土地經(jīng)營(yíng)權(quán)抵押融資的實(shí)踐、困惑及模式創(chuàng)新[J];西南金融;2016年09期

9 呂德宏;常露露;馬戰(zhàn)軍;;農(nóng)村土地經(jīng)營(yíng)權(quán)抵押融資平羅模式:農(nóng)戶融資推進(jìn)器[J];西部金融;2016年07期

10 陳永清;;農(nóng)村土地經(jīng)營(yíng)權(quán)抵押融資的風(fēng)險(xiǎn)因素分析[J];上海經(jīng)濟(jì)研究;2016年07期

，

本文編號(hào)：2092452