Research On Farmers’ Satisfaction On Rural Property Mortgage Financing

Rural property mortgage financing is a new type of financing of rural financial systemreform pilot, mainly refers to the farmers apply for a loan to the bank with the rights of thecontracted management of land, the rural housing property and the forest property ascollateral. The exploration of this way to financing preliminary solves the problem thatfarmers lack the mortgaged property which bank accepted, and creates the conditions offinancing for farmers. Tongxin county, Ningxia began to explore the ways to filling the gap offarmers financing by rural property rights from2006. In the process of this work, the policysubjects--farmers’s satisfaction will directly affect the policy’s implementation and promotion.So this paper research the farmers’ satisfaction of rural property mortgage financing inTongxin area, so as to find out the factors influencing farmers’ satisfaction, and provide usefulsuggestions for government departments and financial institutions.Firstly, this paper introduces several kinds of common customer satisfaction index model,the influence factors of customer satisfaction and measurement methods of customersatisfaction. All these provide a theoretical basis for the construction of a theoretical modeland empirical research. Then on the basis of the American customer satisfaction index (ACSI)model, combining the characteristics of rural property rights mortgage financing and farmers,building the evaluation model of the farmers satisfaction of rural property rights mortgagefinancing, thus further establishing the evaluation index system. According to the evaluationindex system, design the questionnaire of this paper, and take Tongxin as the research place,getting149effective questionnaires.Then use structural equation model to fit and correct the evaluation model, found that therural property rights mortgage financing service quality perception influence largest onfarmers’ satisfaction, the direct effect is0.52, the total effect is0.82, and this fit the fact thatfarmers are with the pressing demands of economic and social status in recent years. Thenusing the fuzzy comprehensive evaluation method to calculate farmers satisfaction index,concluded that: farmers overall satisfaction index is67.3, belonging to the general satisfactionstate; Farmers’ evaluation on rural property rights mortgage financing service qualityperception is relatively positive, the degree of satisfaction index is70.4, the result isconsistent to structural equation model. Finally, this paper presented policy recommendations from five aspects to improve farmers’ satisfaction of the rural property mortgage financing.