Influencing Factors Of Farmers Cooperatives' Wellingness To Mortgage Loan With Farmland Management Rights In Liaoning Province

The current rapid development of China's peasant cooperative economic organizations has become an important form of organizational development in rural areas.Agricultural cooperatives are an important form of it.The development and operation of cooperatives requires a lot of funds.The current lack of funds has severely constrained the further expansion of its scale.At present,most cooperatives lack effective collateral and it is difficult to obtain loans from regular financial institutions.As a result,there is a shortage of funds and lack of collateral.It is an urgent issue to be solved in the development of China's peasant cooperative economic organization.This paper identifies the main factors restricting mortgage loans by collating and analysing the willingness of mortgage loans and their influencing factors,and proposes countermeasures against these factors.This survey uses questionnaire surveys and interviews to investigate the willingness of cooperatives in seven pilot regions in Liaoning Province to participate in mortgage loans for rural land management rights.The investigation includes the basic characteristics of the chairman,the state of the cooperative's funds,and the land flow of the cooperatives.The status of operation rights,basic conditions of the members of the cooperatives and the external environment were analyzed in terms of logistic regression analysis to analyze the factors affecting the willingness of the farmer to operate the farmland.The survey results show that the willingness of the specialized farmer cooperatives in the experimental areas of Liaoning Province to use the transferred land management rights to conduct mortgage loans is affected by the operating rights of the land transferred by the cooperatives,the degree of support from the cooperative members on the mortgage loans of the cooperatives,and the authority of the chairman of the cooperatives on the operation rights.The degree of recognition of mortgage loans,whether local government agencies provide guarantees for collateral mortgage loans for the transfer of land management rights,the degree of ease of cooperatives' borrowing,whether the right to operate the land transferred by cooperatives is verified,and whether cooperatives currently have financing needs.Positively related effects.Finally,the paper expands the publicity of mortgage loans for transfer of land management rights in pilot areas,accelerates the granting of right to verify land management rights in pilot areas,establishes a professional mortgage value assessment mechanism for land management rights,and improves the transfer mortgage and liquidity guarantee of land management rights.Mechanisms,simplifying the procedures for borrowing by financialinstitutions and rationally adjusting interest rates,cooperatives to strengthen the publicity and education of mortgage loans for the transfer of land management rights of members and improving the way of distribution of dividends are proposed in six aspects,and will increase the willingness of cooperatives to transfer mortgage loans for land management rights from various aspects.