Study On Influencing Factors Of Rural Land Contracting Right Mortgage Loan In Longnan

In 2013,after summing up the pilot experience in Chongqing and other regions,Longnan initiated the pilot work of mortgage loans for rural land contracting right and in Gansu Province.This expands farmer's financing channels,revitalizes the rural "sleeping" assets,making the majority of farmers benefit.At the end of the year,farmer?s per capita income in Longnan ranked first in Gansu province.But the mortgage work in Longnan did not exist long,and still in the pilot phase,the rural credit system was also not perfect.All these factors made the relevant banks concern a lot in the conduct of the business.In order to prevent any possible risk,banks make many programs in the loan process,which has become an important reason that hinders the mortgage of land contract management right in a large scale.Based on the background mentioned above,this paper takes Cheng county,Kang county and Xihe county in Longnan as the research area to analyze main factors influencing farmers' willingness to participate in through the investigation of the local farmers.This paper more aims at helping banks to expand mortgage customers to achieve a win-win situation.Based on the full understanding of the research status at home and abroad and relevant theoretical knowledge,this paper choose farmers in Cheng county,Kang county and Xihe county in Longnan city of Gansu province as the research object,and sample them to obtain farmer?s basic information,farmer?s family information,farmer?s production and operation information,farmer?s borrowing information,understanding of rural land contract management right mortgage loan and supplement information.In order to analyze the factors of farmer?s participation in the loan,it iteratively analyze the data taken by using binary Logistic model of SPSS23.0 software to left factors that can be affected by 5% statistical level.And draw the following conclusions:(1)farmers in Longnan have a strong willingness to participate in land contractual management right mortgage loan.(2)the regression analysis shows that the sex of household,education,population,land area,agricultural inputs,the level of understanding of the policy and evaluation to the bank of Lanzhou positively influence farmer?s willingness for rural land contracting right mortgage loan,as for other factors,such as age of householder,the ratio of non-agricultural population play a insignificant role to the dependent variable.And the significant variables on the willingness of farmers have different degree of influence,in descending order ofland area,the level of understanding of the policy,agricultural inputs,family population,education,evaluation to the Bank of Lanzhou,the sex of household.(3)because the area selected is special,and it?s economy progress lags behind at average level of other pilot area,so the conclusions drawn from this research are different from other pilot areas?.Besides,the conclusions of this paper are compared with other experimental areas to further explore the characteristics of farmers in Longnan.At last,this paper puts forward some suggestions to government and banks on how to improve the loan mode.