【作者】 张丹；

【导师】 牛荣；

【作者基本信息】 西北农林科技大学 ， 金融专硕（专业学位）， 2018， 硕士

【摘要】 充足的资金供给是农村经济发展的必要条件,然而农村产业存在这先天的弱质性,农户缺乏大量资金进行生产投资。再这样的情形下,农地产权抵押贷款成为缓解农业生产经营性资金短缺,提高农户生产积极性的关键融资方式。但是通过调研发现试点地区的农户仍然村在资金短缺的困难,这说明农地抵押贷款模式并没有发挥较好的作用,并且模式内部出现了问题,因而需要寻找一些措施对这些贷款模式加以改进,即模式优化。而寻找模式优化必须参考影响农户参与农地抵押的意愿以及参与农户的满意度。那么影响农户贷款意愿的因素是什么?影响参与农户满意度的因素有哪些?贷款模式应该如何改进才能提高农户的贷款意愿和满意度?贷款模式的分类如何?贷款模式如何改进才能促进农村经济的发展?通过调阅历年的学者文献研究,了解农地抵押的研究动态,从而在产权理论的基础上,以农户的视角为基点,对陕西省农户农地产权抵押贷款的意愿、满意度和模式优化进行研究。首先,从微观层面通过建立有序Logistic模型和二元Logistic模型进行实证分析,得出显著性影响农户参与农地产权抵押贷款的意愿和参与农户满意度的因素;然后,从宏观角度通过分析陕西省农地产权抵押贷款的两种典型模式“杨凌”模式和“高陵”模式的背景、操作流程和优缺点,从整体角度指出陕西省农地抵押贷款模式的不足之处;最后通过本文得出结论:(1)性别、文化水平、年均收入、金融机构的数目和政策认知水平会显著影响农户的需求意愿;估价水平、办理程序和利率水平会显著影响参与农户的满意度。(2)杨凌模式在价值评估、风险补偿、土地流转、农村信用环境和政府介入方面存在不足;高龄模式在政府“兜底”和产权交易市场方面存在不足;通过与“同心”模式对比陕西省整体存在政府介入影响市场化目标、民间组织参与不足和法律保障较少等缺点。(3)根据从微观和宏观角度分析的结果从利率、办理流程、基层组织参与等方面提出相应的优化措施,最后陕西农地产权抵押贷款模式需要将市场与政府结合,从而提出“市场+政府”主导模式。更多还原

【Abstract】 In recent years,with the rapid development of the scale of rural industrialization and modernization of rural economy,the demand for funds is more and more in the rural economy.In this case,the mortgage loan of farmland property right has become a key financing way to alleviate the shortage of agricultural production and operation funds and improve farmers’ production enthusiasm.However,The existing model of land property mortgage loan in the pilot area has not solved the plight of the shortage of farmers’ funds well,and there are various problems in the model,so we need to find some measures to improve the model of these loans,that is,the model optimization.While searching for pattern optimization must refer to affect farmers in land mortgage willingness and participation of farmers satisfaction.Then the influence factors of farmers’ willingness to lend is what? What are the factors affecting the farmers’ satisfaction? How to improve to improve the farmers’ satisfaction and willingness to lend loans? Shaanxi Province,which has several loans? How to improve the loan mode to promote the development of the rural economy?On the basis of combing the related literature about the land property mortgage loan model at home and abroad in recent years,based on the theory of property rights,and taking the farmers as the research object,this paper studies the willingness,satisfaction and model optimization of farmers’ land property mortgage loan.First of all,through the establishment of an orderly Logistic model and two yuan Logistic model from the microscopic level,we can make an empirical analysis,and draw a significant influence on Farmers’ willingness to participate in the land property mortgage loan and the factors involved in the satisfaction of farmers.Then,from the macro perspective,the two typical models of the Shaanxi real estate right mortgage loan are "Yangling".The macro analysis background,operation process and advantages and disadvantages of the model and the "Gaoling" model are used to analyze the shortcomings of the rural land mortgage loan model in Shaanxi province from the whole point of view.Finally,the optimization policy suggestions are put forward according to the microscopic and macro analysis results.This article draws the conclusion:(1)Gender,cultural level,annual income,the number of financial institutions and the level of policy cognition will significantly affect farmers’ desire for demand;the level of valuation,procedures and interest rates will significantly affect the satisfaction of farmers.(2)There are shortcomings in the Yangling model in value assessment,risk compensation,land circulation,rural credit environment and government intervention.The age model has a shortage in the government "the bottom" and the property right trading market.By comparing with the "concentric" model,the government intervention in Shaanxi province affects the market target and the civil organization.Lack of participation and less legal guarantee.(3)According to the results from the micro and macro perspectives,the corresponding optimization measures are put forward from the interest rate,the process of processing and the participation of the grass-roots organizations.In the end,the Shaanxi land property mortgage loan model needs to combine the market with the government,and thus the "market + government" model should be put forward.更多还原