大连理工大学学报(社会科学版)
大連理工大學學報(社會科學版)
대련리공대학학보(사회과학판)
Journal of Dalian University of Technology (social sciences)
2015年
4期
86-91
,共6页
土地承包经营权%抵押融资意愿%影响因素
土地承包經營權%牴押融資意願%影響因素
토지승포경영권%저압융자의원%영향인소
contractual management right%willingness of mortgage financing%influencing factors
文章在实地调研以及文献分析的基础上,从农户因素、政府因素、金融机构三方面选取影响农户土地承包经营权抵押融资意愿的因子时行实地研究。研究发现:风险偏好、金融机构的放贷利率、农户拥有的土地面积、政府是否支持及农户对贷款的需求程度,是影响农户参与土地承包经营权抵押融资意愿的主要因素。建议在法律和政策层面引导农民风险偏好观念;适当降低金融机构放贷利率,采取有差别贷款政策,实施小额信贷贴息;政府承担第三方角色,提高农户参与土地承包经营权抵押融资意愿。
文章在實地調研以及文獻分析的基礎上,從農戶因素、政府因素、金融機構三方麵選取影響農戶土地承包經營權牴押融資意願的因子時行實地研究。研究髮現:風險偏好、金融機構的放貸利率、農戶擁有的土地麵積、政府是否支持及農戶對貸款的需求程度,是影響農戶參與土地承包經營權牴押融資意願的主要因素。建議在法律和政策層麵引導農民風險偏好觀唸;適噹降低金融機構放貸利率,採取有差彆貸款政策,實施小額信貸貼息;政府承擔第三方角色,提高農戶參與土地承包經營權牴押融資意願。
문장재실지조연이급문헌분석적기출상,종농호인소、정부인소、금융궤구삼방면선취영향농호토지승포경영권저압융자의원적인자시행실지연구。연구발현:풍험편호、금융궤구적방대리솔、농호옹유적토지면적、정부시부지지급농호대대관적수구정도,시영향농호삼여토지승포경영권저압융자의원적주요인소。건의재법률화정책층면인도농민풍험편호관념;괄당강저금융궤구방대리솔,채취유차별대관정책,실시소액신대첩식;정부승담제삼방각색,제고농호삼여토지승포경영권저압융자의원。
Based on the survey and documentary research ,the paper analyses the factors influencing farmers’ willingness of mortgage financing of land contractual management right from three aspects :farmers ,govern‐ment and financial institutions .T he research show s that risk preference ,the interest rate of loan ,land area , government support and demand for loans are all significant factors which impact the farmer’s willingness of mortgage financing of land contractual management right .Therefore ,we present some suggestions both on le‐gal and policy level .We should guide farmers’ risk preference ,properly decrease financial lending rates ,imple‐ment discriminatory loan policy and micro‐loan interest discount as well .The government should take responsi‐bility as a third party in order to improve farmers’ willingness to participate in the mortgage financing of land contractual management right .