Study On The Factors Affecting The Mortgage Of Rural Land Contract Management Right In Shandong Province

Under the current economic situation,the innovation and development of mortgage loans in rural areas has an important and far-reaching significance in activating rural stock assets and solving the funding problems of the three rural issues.On the basis of the relevant theories concerning rural land mortgage policy,patterns of lending and mortgage mode,this paper investigates the factors which affect the mortgage contract of rural land contract management from the micro level.Based on the present situation of rural land contract management right in the pilot areas of Shandong Province,this paper emphatically analyzes the innovative exploration,typical patterns,and accomplishments achieved by the government and the bank institutions on the mortgage contract of rural land contract management as well as the problems existed in the current mortgage in a more detailed way.Through the implementation of questionnaire survey to farmers in the county area and the use of the binary logistic model,empirical analysis is carried out to explore the factors which can affect the rural land contract management right mortgage.Through the study,it is found there are seven potentially influential factors.They are the farmer's household sex,the number of the family population,the land area,the per capita income,the awareness of the land property mortgage policy,the satisfaction of the local agricultural service level,and the farmer's education degree on loans respectively.The development of rural land contract management right mortgage requires collaborative efforts from three aspects: the farmer,the government and the financial institution.The farmer should transform the main body of new agricultural management.The government should improve the service and provide policy support.Financial institutions should raise awareness and promote business development.Tripartite cooperation should be necessary in promoting the rural land contract management right mortgage development and improvement.