Research On The Satisfaction Of Western Rural Property Mortgage Finance In The Respective Of Farmers

For a long time, lagging economical development in western area constrains its social development and there are some prominent problems to be solved, such as coming over the difficultites in loan. As a new type of financing mode, it is believed that rural property mortgage finance is a good way to increase the diversity of rural financial products, ease the shortage of capital supply, meet the capital demand and provide a chance for farmers’getting loans successfully. Though more and more experts think rural property mortgage finance has positive effects on promoting the rural land’s transfer, economic development, rural property mortgage finance is just starting whose propaganda and supporting measures need constantly improve.The factors influencing farmers’satisfaction western rural property mortgage Finance are analysed by the structural model in order to probide the basis for financial policy and increase farmers’ trust.Firstly, Customer satisfaction theory, Property mortgage financing theory, Some classic Customer Satisfaction index models and common evaluation methods are introduced, which provie the theoretical basis for the research involved in this paper. Then, the evaluation system of farmers’ satisfaction of western rural property mortgage finance is established based on the American Customer Satisfaction Index (ACSI), which combines practical situations of western rural property mortgage finance as well.Then this paper make an empirical analysis on the farmers’ satisfaction of western rural property mortgage finance according to the data from Yangling, Gaoling and Lintong in Shaanxi Province. The results indicated that value perception of rural property mortgage had a very important effet on farmers’ satisfaction to property mortgage financing patten, product quality perception and service quality perceptionof rural property mortgage also had a certain effect.Finally, the measures of enhancing farmers’ cognitive ability, paying attention to users’ experience, introducting the specific financial products for farmers are proposed to advance farmers’ satisfaction of western rural property mortgage finance...