Research On The Differences Of Demand Behavior Of The Guaranteed Loan Of Land Revenue For Agricultural Operators In Jilin Province

As a major agricultural production country in developing countries,the solution of the "three rural" issues is directly related to the development process of agricultural modernization.In recent years,the rural property right mortgage financing model has been selected in the whole country,which has promoted the development of local agriculture and rural areas.However,due to the lack of necessary mortgages,farmers received very limited loans from financial institutions.The financing function of the land has not been fully explored.The difficulty of financing is the important reason for the backwardness of agricultural development,and it is also an important factor restricting the development of the "three rural".In order to solve the problem of financing in rural areas,the state has issued a series of policy documents for the rural land issue,pointing out the direction and providing policy support for the development of rural finance.As an important agricultural province in China and the key area of rural financial reform,Jilin province in August 20,2012 for the first time put forward the concept of the guaranteed loan of land revenue nationwide,and carried out experimental work in Lishu county of the grain county of the province,and achieved remarkable results.The design of the guaranteed loan of land revenue system in Jilin province has effectively implemented the guarantee and financing function of land use right,and solved the problem of farmers' lack of collateral in financing.It effectively guaranteed two basic problems: farmers will not lose their land and the source of bank loans is guaranteed.The exploration of the guaranteed loan of land revenue in Jilin province has important practical significance not only for rural development in Jilin Province,but also for rural development in China.According to the correlation theories of rural finance at home and abroad,this paper is on the basis of understanding the operation situation of the guaranteed loan of land revenue in Jilin province.Through the questionnaire survey which contains 367 traditional agricultural operators and 172 new agricultural operators in 5 counties(cities)of Jilin province,logistic regression model was used to separate analyze whether there is a difference between the traditional agricultural operators and the new agricultural operators on the overall demand willingness of the guaranteed loan of land revenue and whether there is a significant difference in the influence of some explanatory variables on the loan demand willingness of different agricultural operators.The results show that: There are obvious differences between the traditional agricultural operators and the new agricultural operators on the overall demand willingness of the guaranteed loan of land revenue.And the willingness of the new agricultural operators to apply for the guaranteed loan of land revenue is more intense than the traditional agricultural operators.There are 7 explanatory variables including age of interviewee,area of land management,whether there is a shortage of funds,the amount of capital shortage,the level of debt,the degree of understanding of the property companies,and the loans discount that they influence the demand willingness of the guaranteed loan of land revenue of the traditional agricultural operators and the new agricultural operators,and the effects are distinctly different.Finally,according to the conclusion of the study,the corresponding policy recommendations are put forward to promote the development of the guaranteed loan of land revenue.This article is divided into the following five chapters:The first chapter is the introduction.The background and significance of this study,research objectives,research methods and so on are mainly introduced.The relevant concepts,theories,literature review at home and abroad as well as the innovation and deficiency of this paper systematically are expounded.The second chapter is the operation situation of the guaranteed loan of land revenue in Jilin province.The implementation background,design intention,operation mode and development scale of the guaranteed loan of land revenue in Jilin province were briefly expounded.The main restrictive factors of the guaranteed loan of land revenue in Jilin province in the development process were further explored.The third chapter is an analysis of the Descriptive statistics and demand characteristics difference of different agricultural operators.The field investigation results of pilot of the guaranteed loan of land revenue pilot in Jilin province were analyzed by descriptive statistics.And further explored the differences between the demand characteristics of the guaranteed loan of land revenue of traditional agricultural operators and new agricultural operators in Jilin province.The fourth chapter is the difference analysis of the influence factors of the demand willingness of the traditional agricultural operators and the new agricultural operators.The specific indicators that affect the demand Willingness of the guaranteed loan of land revenue of different agricultural operators in Jilin province were selected.And the two element Logistic regression model was used to separate analyze whether there is a difference between the traditional agricultural operators and the new agricultural operators on the overall demand willingness of the guaranteed loan of land revenue and whether there is a significant difference in the influence of some explanatory variables on the loan demand willingness of different agricultural operators.The fifth chapter is conclusion and suggestion.According to the conclusion of the study,countermeasures and suggestions of promoting the effective development of the guaranteed loan of land revenue in Jilin province were put forward.The innovation point of this article lies in a new perspective of research.At the present stage,the research on the guaranteed loan of land revenue is to analyze farmers as a whole.The differences in demand behavior of different scale agricultural operators are ignored.Therefore,in order to enrich the research perspective and depth of the guaranteed loan of land revenue,based on the perspective of the traditional agricultural operators and new agricultural operators,whether there is a difference between the traditional agricultural operators and the new agricultural operators on the overall demand willingness of the guaranteed loan of land revenue and whether there is a significant difference in the influence of some explanatory variables on the loan demand willingness of different agricultural operators are analyzed.