Research On Conditions Mortgage Financing Of Rural Land Management Rights Based On Farmers Cognition

China is experiencing the stage from traditional agricultural production pattern to the scale management agricultural production pattern. In order to solve the financing difficulties of farmers, central government proposed a series of farmland financial reform policy to generalize the mortgage loan of management rights of farmland, which solved the problem that farmers lacking of effective pawn to get loan and innovate farmers’ financing channels. This policy promotes the development of rural financial sector and the industrialization of agriculture in China. At present, governments is making experiments of the rural land management rights mortgage and the business is restrained by factors, such as legal restrictions, value assessment, implementation, etc. But farmland rights mortgage is benefit to effectively using farmland property and release the financing function of farmland. Besides, governments are try their best to improve policies related to farmland manangement of mortgage loans.Taking Shaanxi province pilot area of land mortgage, Mei county, as an example, analyze the conditions and problems of farmland management rights mortgage loan by field research from policy conditions, borrowers qualifications and financial institutions. This paper find that the mortgage conditions of farmer participation is affected by laws and regulations, confirmation of farmland, assets value of families and area of farmland management through Logistic model. And the mortgage conditions of finance institutions is significantly affected by the propose of loan, farmland transfer market and the difficulties of farmland transfer.This paper found the factors significantly affected farmland mortgage loan conditions by empirical analysis of the situation of farmland mortgage loan. It can be concluded that confirmation of farmland is the basic condition of farmland mortgage loan and policy condition facilitates the maturity of farmland mortgage loan and sufficient liquidity of farmland transfer market is the foundation factor. This paper suggest that accelerating farmland confirmation and credit system construction and promoting land-expropriated insurance and financial environment and guard institutions’ operation risk are necessary.