Studies On Influencing Factors Of Zhejiang Rural Household’s Willingness For Rights Of Land Contractual Management Mortgage Loan

Exploration and liberalization the mortgage business of rural land contractual management right is an important policy measures of deepen rural reform to improve the property rights of agricultural land and increase farmers’ financing channels in recent years by the center government. Zhejiang Province is one of quite developed province in economy with the high rate of transfer of land management right,and the practice of rights of land contractual management mortgage loan is at the forefront of the country. We took Changxing, Haiyan counties as the cases to be an investigation on farmers, analysis the factors affecting farmers’ willingness of participating in the mortgage, which also contributes to the improvement of further design of land contract management right mortgage loan system.Based on the analysis of the domestic and foreign related research,Include Property right theory,Credit guarantee theory and Farmer behavior theory, this paper has introduced the present situation of rights of land contractual management mortgage loan in Zhejiang province. Summarized two different modes of land contractual management right mortgage loan in the province. At the same time, we issued questionnaires in Changxing, Haiyan counties, getting detailed information about farmers’ agricultural business situation, financing needs and other aspects. We selected the key variables of farmer personal characteristics, family characteristics, behavioral characteristics, production and management features and external factors, regression analysis by using binary Logistic model, the result of regression analysis showed that the willingness to land contractual management right mortgage loan is higher, in which whether to participate in social security, Operating land area,changes in the scale of investment, credit experience, the complexity of lending money from bank, and the satisfaction of government services measures had a significant impact on the willingness of the farmers.Finally, this paper put forward policy recommendations to improve the business of land contractual management right mortgage loan in three aspects : the farmers、government and banks.