Game Study Of Rural Land Management Rights Mortgage Financing Based On Risk Factors

China’s rural financing channel is narrow, and farmer financing is difficult, which restricted the scale management of agriculture development and farmers’ income growth. State clearly gives the farmers contracted land management right mortgage and hypothec. In recent years, large areas of the country carry out Rural Land mortgage financing pilot project, and explore financing model gradually and orderly. But with the experimental work accelerating, the risk of rural land management right mortgage financing is increasingly prominent, which restricts the overall promotion of the mortgage financing business. Thus, from a risk perspective, game analysis on rural land management rights mortgage financing is very necessary and urgent.This paper describes the theoretical basis on rural land management rights mortgage financing, including its meaning and legal basis, and analyze land collateral five risks involved, and a brief introduction of game theory relevant content. Analyze the current status and difficulties of the rural land management rights mortgage financing, and explore influencing factors of land collateral risk from the perspective of the farmers, and its empirical analysis. On the basis of risk factors, gaming process between farmers and banks to explore in detail to find the optimal equilibrium solution, while studying the incentive effects of the local government between banks to find the optimal excitation. Finally, make policy recommendations for risk minimization principle.Articles composed of six chapters:ChapterⅠ Introduction Discusses the background, purpose and significance, research trends, and its commentary, and research ideas and methods.ChapterⅡ The basic theories Introduce the meaning of rural land management rights mortgage financing、legal basis, Rural Land mortgage financing risks, including system risk, operational risk, the disposal risk, credit risk and the risk of people’s livelihood, game theory foundation.ChapterⅢ Rural Land mortgage financing situation and problems Describe the current status and the obstacles of rural land mortgage financing.ChapterⅣ Rural land management rights mortgage financing risk factors Set forth the data source and describe the selected sample area in detail, statistic rural land mortgage financing farmers risk perception, explain the set reason of model with variables and illustrate statistical analysis, using regression analysis on risk factors of rural land management rights mortgage financing and actually syndrome research.Chapter Ⅴ Game analysis on rural land management rights mortgage financing According to risk factors previously obtained results, gaming process between farmers and banks to explore to find the optimal equilibrium solution in detail, while studying the incentive effects of the local government between banks to find the optimal excitation. Finally draw conclusions.Chapter Ⅵ Policy recommendations For rural land management right mortgage financing risk minimization objectives, proposals on policies from the government, farmers characteristics, land assessment and risk prevention angle.