發(fā)布時間：2018-01-01 03:01

  本文關鍵詞：農(nóng)地經(jīng)營權(quán)抵押貸款農(nóng)戶需求行為影響因素分析——基于黑龍江省6個縣1328個農(nóng)戶的問卷調(diào)查　出處：《中國土地科學》2017年03期 　論文類型：期刊論文

  更多相關文章： 土地制度 農(nóng)地經(jīng)營權(quán)抵押貸款 農(nóng)戶需求行為 影響因素

【摘要】：研究目的:研究農(nóng)戶對農(nóng)地經(jīng)營權(quán)抵押貸款需求行為的影響因素,以期制定出提升農(nóng)地經(jīng)營權(quán)抵押貸款效率的政策建議。研究方法:利用問卷調(diào)查法收集數(shù)據(jù),利用logistic方法進行實證分析。研究結(jié)果:利用logistic方法進行實證分析,得出受教育程度、收入主要來源、支出水平、貸款經(jīng)歷、社會關系、土地規(guī)模等變量對農(nóng)戶的農(nóng)地經(jīng)營權(quán)抵押貸款需求行為具有顯著的正向影響,而利率水平等變量對農(nóng)戶的農(nóng)地經(jīng)營權(quán)抵押貸款需求行為具有顯著的負向影響。研究結(jié)論:應該適當擴大試點的數(shù)量和規(guī)模,制定合理的貸款利率,簡化貸款手續(xù),提高社會保障水平,進而促使農(nóng)戶通過農(nóng)地經(jīng)營權(quán)抵押貸款的途徑,獲取農(nóng)業(yè)生產(chǎn)資金貸款。
[Abstract]:The purpose of this study is to study the influencing factors of farmers' demand for agricultural land management mortgage loan, in order to formulate policy recommendations to improve the efficiency of agricultural land management mortgage loan. Research methods: using questionnaire method to collect data. Empirical analysis using logistic method. Research results: the use of logistic empirical analysis, the main sources of education, income, expenditure level, loan experience. Social relations, land scale and other variables have a significant positive impact on the demand behavior of agricultural land management right mortgage loan. The level of interest rate and other variables have a significant negative impact on the demand behavior of agricultural land management right mortgage loan. Conclusion: we should expand the number and scale of the pilot project and formulate a reasonable loan interest rate. To simplify the loan procedures, improve the level of social security, and then promote farmers to obtain agricultural production funds loans through the way of land management right mortgage loans.
【作者單位】： 東北農(nóng)業(yè)大學經(jīng)濟管理學院;黑龍江科技大學管理學院;
【基金】：國家社會科學基金項目(16CJY053) 全國文化名家暨“四個一批”人才工程項目“農(nóng)民合作社、農(nóng)地流轉(zhuǎn)與農(nóng)業(yè)現(xiàn)代化研究”
【分類號】：F321.1;F832.43
【正文快照】： 1　引言作為微觀農(nóng)業(yè)生產(chǎn)經(jīng)營主體的農(nóng)戶缺乏具有較大穩(wěn)定價值的抵押物,獲取生產(chǎn)資金貸款十分不便,制約了農(nóng)業(yè)生產(chǎn)的發(fā)展和農(nóng)村社會福利的提高。為解決農(nóng)戶抵押品不足的問題,各地不斷進行改革嘗試,將最具價值但又無法抵押的農(nóng)地經(jīng)營權(quán)進行抵押貸款,客觀上促使農(nóng)地金融改革不斷，

本文編號：1362611