Realistic Modes And Optimizing Path Of Agricultural Land Management Right Mortgage

With the development of the society, agriculture is experiencing huge innovation. Chinese agriculture transfers from household management to large scale, mechanization and modernization management, it also requires the agricultural operators in our country translate into the family management type, the cooperation management type and the enterprise management type. The tendency of this transformation makes the demand of rural areas extremely high, especially the family management type agricultural operators which is lack of qualified collateral. In order to make up the shortage of funds in agricultural production and promote the further development of agriculture, farmers need financing. There exist two kinds of financing, endogenous financing and exogenous financing. Because of the low development of economy in the country, the standard of endogenous financing is really low, therefore, developing exogenous financing becomes the necessary way to balance the supplement and requirement of finance in the country. However, to some financing institutions, the reality that the family management type farmers which lack the qualified collateral makes them has little interesting in lending money, in order to solve this problem, they should obey the rules of the government.This paper is based on the theory of equities, rational farmers, imperfect competition and the constrains of farmer credit, and mainly from the perspective of the new agricultural operators such as the large scale management farmers and the family farms, and the perspective of the small scale management farmers who need financing, making such analysis. Firstly, the paper analyzes the mode of agricultural land mortgage in developed countries (regions), including German mode, American mode, Japanese mode and Taiwan mode, pointing out the process and common features. Then, this paper states the main mode of agricultural land mortgage of Chinese mainland, indicating the working process and common features, and analyzing the pros and cons of different modes. Next, this paper compares the differences of financing in China with foreign countries. Finally, this paper uses Binary Logistic Regression Model to analyze the factors of the willingness of farmers to agricultural land management right mortgage. By analyzing the factors of the willingness of farmers and the modes of different countries, some solutions of optimizing the loans of agricultural land mortgage are come up with.