CAJ | 학술논문

利用陕西、宁夏的农户数据，从农户收入异质性视角分析了农户融资渠道选择及产权抵押融资现状，并甄别了农户贷款可行性及产权抵押融资约束的主要影响因素，进而测度了农村产权抵押融资对不同收入农户的融资约束程度及差异。结果显示：农村产权抵押融资对不同收入农户的融资约束程度不同，随着农户家庭收入水平提高，其受到的融资约束程度呈递减趋势，中低收入农户是融资约束的主要人群；总的来说，农户受到的风险约束、交易成本约束较大。基于结论，提出缓解农户融资约束、缩小农户融资缺口和进一步推行农村产权抵押融资业务的政策建议。
이용협서、저하적농호수거，종농호수입이질성시각분석료농호융자거도선택급산권저압융자현상，병견별료농호대관가행성급산권저압융자약속적주요영향인소，진이측도료농촌산권저압융자대불동수입농호적융자약속정도급차이。결과현시：농촌산권저압융자대불동수입농호적융자약속정도불동，수착농호가정수입수평제고，기수도적융자약속정도정체감추세，중저수입농호시융자약속적주요인군；총적래설，농호수도적풍험약속、교역성본약속교대。기우결론，제출완해농호융자약속、축소농호융자결구화진일보추행농촌산권저압융자업무적정책건의。
Based on the survey data in Shaanxi and Ningxia,this paper analyzes the credit channel and the current situation in financial constraints from the perspective of farmers' income heterogeneity, identifies the main factors influencing the feasibility and household property mortgage financing constraints,and estimates the extent of the financial constraints and the difference.The results show that, the financial constraints of rural property mortgage for different income households are different.With the improvement of farmers'income levels,the degree of financial constraints showed a decreasing trend,the low-income households are the main crowd in financial constraints; the credit gap of low-income households are the greatest.Overall,risk constraints,the transaction cost constraints are the most two constraints when farmers financing. Based on this conclusion, the paper brings about the policy suggestions on how to ease low-income farmers financial constraints and further promote the rural property rights mortgage.