發(fā)布時(shí)間：2018-03-30 06:52

  本文選題：宅基地使用權(quán)抵押　切入點(diǎn)：農(nóng)戶意愿　出處：《金融理論與實(shí)踐》2017年01期

【摘要】：通過選取昌吉州3縣市12個(gè)村鎮(zhèn)255份實(shí)地調(diào)查問卷,運(yùn)用Probit模型和主成分分析方法,對(duì)影響宅基地抵押貸款意愿的因素和抵押偏好等級(jí)進(jìn)行分析。結(jié)果表明,職業(yè)類型、村委會(huì)對(duì)宅基地抵押貸款態(tài)度、宅基地抵押貸款風(fēng)險(xiǎn)認(rèn)知、對(duì)基礎(chǔ)設(shè)施和社會(huì)保障滿意度等是影響農(nóng)戶宅基地抵押貸款偏好的主要因素;調(diào)研區(qū)宅基地抵押意愿的偏好等級(jí)與調(diào)研區(qū)自然資源稟賦、產(chǎn)業(yè)發(fā)展?fàn)顩r、距離鄉(xiāng)鎮(zhèn)的距離區(qū)位優(yōu)勢(shì)和謀求發(fā)展致富的主觀意識(shí)息息相關(guān);針對(duì)高、中、初和低四個(gè)等別的不同區(qū)域差異化施策,設(shè)計(jì)對(duì)應(yīng)的宅基地抵押貸款模式分別是市場(chǎng)決定模式、政府引導(dǎo)模式、集體組織模式和農(nóng)民自發(fā)模式,慎重穩(wěn)妥地推進(jìn)農(nóng)村宅基地的自愿抵押貸款和有序有償退出。
[Abstract]:By selecting 255 field questionnaires from 12 villages and towns in 3 counties and cities of Changji, using Probit model and principal component analysis method, this paper analyzes the factors that affect the willingness of mortgage loan and the degree of mortgage preference. The village committee's attitude to homestead mortgage, the cognition of Homestead mortgage risk, the satisfaction of infrastructure and social security are the main factors that affect the preference of homestead mortgage loan. The preference level of homestead mortgage is closely related to natural resource endowment, industry development, distance from villages and towns and subjective consciousness of seeking development and enrichment. The primary and low four other different regions of different strategies, design the corresponding homestead mortgage loan model is the market decision model, government guidance model, collective organization model and farmers spontaneous mode, the design of homestead mortgage loan model is the market decision model, the government leading mode, the collective organization model and the farmer spontaneous mode. Advance the voluntary mortgage loan of rural homestead cautiously and orderly paid exit.
【作者單位】： 新疆農(nóng)業(yè)大學(xué)管理學(xué)院;新疆農(nóng)業(yè)大學(xué)土地科學(xué)研究所;南京農(nóng)業(yè)大學(xué)公共管理學(xué)院;
【基金】：國(guó)家自然科學(xué)基金項(xiàng)目(項(xiàng)目編號(hào):71363054) 新疆哲學(xué)社會(huì)科學(xué)研究規(guī)劃基金項(xiàng)目(編號(hào):14BJY024)
【分類號(hào)】：F832.4

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本文編號(hào)：1684804