摘要
研究目的:分析产权抵押融资试点条件下农户对信用、保证、质押、产权抵押4种正规融资方式的选择倾向及其影响因素。研究方法:多变量Probit模型。研究结果:产权抵押贷款已成为试点地区农户正规融资的主要选择方式,且对其他正规融资方式的选择具有替代效应;农户不同融资方式选择的影响因素既存在显著差异也具有共性,其中农户对产权抵押贷款的政策认知、优势认知均是影响其4种融资方式选择的显著因素。研究结论:为优化产权抵押业务、提升农村金融服务水平,金融机构应做到:(1)重视政策宣传力度与效果,提升农户认知;(2)凸显产权抵押贷款优势,不断优化创新产品设计;(3)加强金融供给精准化。
The purpose of this study is to analyze the rural households＇ choice behavior of four types of formal financing methods i.e., credit, guarantee, pledge and property mortgage and its impact factors under the condition of property mortgage financing pilot. Research method is the multivariate Probit model. The results show that property mortgage has become the main choice of farmers＇ formal financing method in the pilot area, and has substitution effect on farmers＇ choice of other formal financing methods; the determinants of farmers＇ different financing choices have significant difference and similarity; and land area, formal loan experience, village cadre resource are the main factors that affect the farmers＇ choices of property mortgage, and policy cognition and advantage cognition of the property mortgage both are the significant factors influencing farmers＇ option on four financing methods. It is concluded that rural financial institutions should pay attention to the efforts and results of policy propaganda to improve farmers＇ cognition; should highlight the advantages of property mortgage as well as constantly optimize and innovate the design of credit products; should strengthen the precision of financial supply to gradually promote the effectiveness of property mortgage policy and to improve the level of rural financial service.
出处
《中国土地科学》
CSSCI
北大核心
2016年第7期41-48,共8页
China Land Science
基金
教育部"长江学者和创新团队发展计划"创新团队项目"西部地区农村金融市场配置效率
供求均衡与产权抵押融资模式研究"(IRT1176)
西北农林科技大学人文社科项目"农村土地承包经营权抵押担保融资效果评价
运作模式与支持政策研究"(2014RWZD01)
关键词
土地经济
农户融资
方式选择
产权抵押
多变量Probit模型
land economy
rural households＇ financing
path selection
property mortgage
multivariate Probit model
