本文選題：政策信任 + 差序��； 參考：《西北農(nóng)林科技大學(xué)學(xué)報(社會科學(xué)版)》2017年06期

【摘要】：加快農(nóng)地金融供給側(cè)結(jié)構(gòu)性改革是農(nóng)村金融改革的當(dāng)務(wù)之急。通過對4 025戶農(nóng)戶調(diào)查分析,發(fā)現(xiàn)當(dāng)前推廣試點(diǎn)的農(nóng)地產(chǎn)權(quán)抵押貸款政策業(yè)務(wù)受到"冷遇",通過政策效果全面綜合評估和影響因素實證分析得出:農(nóng)地產(chǎn)權(quán)抵押貸款試點(diǎn)政策效果綜合有效,南北存在比較性的區(qū)域差異,江西等中南部地區(qū)規(guī)模有效,寧夏等西北地區(qū)技術(shù)有效;江西明顯存在經(jīng)濟(jì)有效顯著、社會效果不夠和生態(tài)效果存疑的問題,政策改進(jìn)空間明顯存在;農(nóng)戶、金融機(jī)構(gòu)和基層政府對農(nóng)地產(chǎn)權(quán)抵押貸款試點(diǎn)政策的信任程度存在明顯差異,其中基層政府盲目信任,且對該政策普惠金融的扶貧功能理解不夠,貸款機(jī)構(gòu)對該政策明顯信任不夠,呈現(xiàn)普遍的惜貸心理,農(nóng)戶遭遇"貸款尷尬",信任彷徨,多貸困難,微貸不屑。為此,應(yīng)加快農(nóng)地金融供給側(cè)結(jié)構(gòu)性改革,完善制度,優(yōu)化政策執(zhí)行效果;制訂切合各地農(nóng)村實際環(huán)境差異化的農(nóng)地產(chǎn)權(quán)抵押貸款政策,以增強(qiáng)農(nóng)地金融普惠扶貧決策的整合效果。
[Abstract]:The urgent task of rural finance reform is to speed up the structural reform on the supply side of agricultural land finance. Through the investigation and analysis of 4 025 peasant households, It is found that the policy of farmland property right mortgage loan has received a "cold reception" at present. Through comprehensive evaluation of policy effect and empirical analysis of influencing factors, it is concluded that the policy effect of farmland property right mortgage loan pilot project is comprehensive and effective. There are comparative regional differences between the north and the south, the scale of central and southern areas such as Jiangxi is effective, and the technology in northwest areas such as Ningxia is effective. There are obvious problems in Jiangxi with significant economic effectiveness, insufficient social and ecological effects, There are obvious differences in the degree of trust among farmers, financial institutions and grass-roots governments in the pilot policy of farmland property right mortgage loan, in which the grassroots governments blindly trust, Moreover, it is not enough to understand the function of helping the poor of the inclusive finance policy, and the credit institutions obviously do not trust the policy, showing the general psychology of loan-sparing, the farmers encounter "loan embarrassment", trust is hesitant, the difficulty of more loans is difficult, and the micro-loan is disdainful. Therefore, we should speed up the structural reform of the supply side of rural land finance, perfect the system, optimize the effect of policy implementation, and formulate the policy of farmland property right mortgage loan suitable for the difference of rural real environment. In order to enhance the integration effect of rural land finance inclusive poverty reduction policy.
【作者單位】： 西北農(nóng)林科技大學(xué)經(jīng)濟(jì)管理學(xué)院;江西科技學(xué)院區(qū)域發(fā)展研究院;
【基金】：教育部“長江學(xué)者和創(chuàng)新團(tuán)隊發(fā)展計劃”創(chuàng)新團(tuán)隊項目(RT1176) 國家自然科學(xué)基金面上項目(71573210)
【分類號】：F832.43

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