The Investigation And Analysis Of The Influence Of Peasant Household Characteristics On The Availability Of Agricultural Land Mortgage Loans

Agriculture has always been the foundation of national economy.China has always attached great importance to the three rural issues relating to agriculture,rural areas and rural people,which is an important issue to realize agricultural industrialization and modernization in our country.At present,one of the important contradictions of China's economic and social development is the contradiction between urban and rural areas.In the context of the new normal of economic development,promoting rural economic development is an important problem to realize the comprehensive construction of well-off society.With the development of rural economy,the scale of agricultural production is expanding gradually.Farmers' capital needs are more robust,and the shortage of farmers' funds is highlighted.In recent years,China has continuously promoted the reform of rural financial system,innovated rural financial products and carried out pilot works on farmland mortgage loan on a national scale in order to solve the difficult loan problem caused by the lack of effective collateral.Farmland mortgage loan pilot work has achieved certain results,however,at the same time,part of the farmers did not get loans.Therefore,we must pay more attentions to the availability of farmland mortgage loans of farmers.The improvement of farmers' land mortgage loans can fully mobilize the enthusiasm of farmers,promote large-scale operation of agriculture and improve the living standards of farmers.This text studies the influence of peasant household characteristics on the availability of rural land mortgage based on 464 households in changtu country of tieling city,faku country in shenyang city and zhangwu country in fuxin city.This paper is based on the theory of land property right and financial development theory to describe and analyze the basic characteristics of farmers firstly.It divides the characteristics of the farmers into personal features including gender,age,level of education and working experience as well as family characteristics including the proportion of labor force,annual income,fixed assets,land area,loan experience,social relations and the proportion of agricultural income.Then it analyzes the loan situation of peasant households and the situation of agricultural land mortgage loan.It also analyzes the characteristics of peasant households that affect the availability of rural land mortgage loan by using the binary logistic model.Finally,we can get the conclusion according to the research of this paper and put forward relevant policies to promote the development of farmland mortgage loans in terms of government,financial institutions and farmers.