摘要
基于16省2 428份有效农户调查数据,在对农户资金需求以及借贷行为偏好分析的基础上,从农户对土地承包经营权抵押贷款的认知、意愿、申请、获贷四方面研究农户的土地承包经营权抵押贷款行为。结果表明:短期而言,土地承包经营权抵押贷款的农户需求不高;但长期而言,外源正规借贷偏好的农户借贷特征有向农户农业投资增加的趋势,保障了土地承包经营权抵押贷款的可行性;农户对土地承包经营权的认知程度很低,信息不充分是阻碍现有农户利用土地承包经营权抵押贷款的主要原因;土地承包经营权抵押贷款的发生率低,且多为短期小额借贷为主,多用于农业生产或者人力资本投资上,各试点模式的具体操作不同,因此在抵押物要求、利率以及交易成本上存在较大的差异。
Based on 2428 valid survey data of the 16 provinces, this article analyzes farmers＇ behavior of the rural land contracting right mortgage loan from the awareness, will, applying and eligible to loans in four aspects, after analyzing of farmers＇ capital demand and lending preference. The results show that ： in the short term, farmers＇ demand is not high, but in the long term, the agriculture investment and the foreign formal lending preference of credit show a increasing trend, which guarantees the feasibility of the contracted management of land mortgage. The farmers＇ cognition of the land contract management rights is very low. The insufficient information hinders farmers＇ using right. The collateral requirements, interest rate and transaction cost are very different in operation of the pilots, because of different modes of rural land contracting right mortgage loan.
出处
《首都经济贸易大学学报》
CSSCI
2017年第2期40-48,共9页
Journal of Capital University of Economics and Business
基金
国家社会科学基金项目"农村农地承包经营权抵押贷款试点效果研究"(14CJY040)
贵州省人文社会科学重点研究基地喀斯特地区发展战略研究课题"社会保障对农户家庭支出结构的影响研究"(Karst2016S04)
关键词
农户
土地承包经营权抵押贷款
借贷行为
信贷配给
farmer
rural land contracting right mortgage loan
credit behavior
credit rationing
