The Evaluation Of Rural Land Management Mortgage Performance

The financing difficulty problem is one of the popular issues that the three rural issues concerns so much, it is in rush that we need to solve the difficulty of farmers to get loans and need to promote the development of agricultural economy, it provides a new way to solve this problem with the developing of this new product—rural land mortgage loan. At present, rural mortgage loan has been pilot in parts of the country for many years, from the pilot areas to see, this loan has played a positive role in maintaining rural financial stability, expanding domestic demand, rural poverty alleviation and the socialism new rural construction, therefore, under such a background, this article try to evaluate the performance of land mortgage based on the financial institutions and farmers view, to specific explore the performance of this new loans among the supplies and demands, and thus to put forward some policy suggestions about the further promote of rural land mortgage in china.This article taking 10 financial institutions, as well as 504 households as the research sample from changtu, Liaoning province, using OLS multiple linear regression and DEA TOBIT model to evaluate the performance of land mortgage based on supplies and demands. On the demands perspective—farmers, divided their per income level into low and middle income level and high income level to have a comparative studying, in order to evaluate the performance of land mortgage completely. The results show, based on farmers, this rural land mortgage has a remarkable effect in increasing net agricultural income, especially for low and middle level income fanners, according to its basic situation, this rural land mortgage has played a positive role in increasing farmer credit availability and credit satisfaction, broadening the channels for the farmers loans, enhancing the farmers psychological expectations of getting loans and repayment ability, improving the production and earnings level, solving the problem of farmers production insufficient funds, farmers have a high satisfaction level to this mortgage, it has obtained a good effect. Based on financial institutions, this rural land mortgage improve the efficiency of the financial institutions comprehensive, according to its basic situation, this rural land mortgage has played a positive role in reducing the non-performing loan ratio, improving profitability, optimize the assets structure, reducing the risk of loans, helping credit cooperatives to achieve" support agriculture loan" policy objectives and operational efficiency of financial institutions, as well as get a high subjective evaluation, and have a good development prospect.According to the above research conclusions, we put forward the following suggestions: (1) The financial institutions need to increase the loans to low level earnings farmers.(2) The financial institutions not only should pay attention to their own management level and improve the management of internal control system, but also should pay attention to the innovation of its loans and promoting this new type of loan——rural land mortgage, this will has an important significance to improve the efficiency of credit cooperatives. (3) According to different loan groups, credit cooperatives should make different varieties of agricultural land mortgage. (4) The government need to give more attention to rural land mortgage business, pay efforts to build a perfect rural land mortgage system and operational mechanism, and to give the corresponding policy support.