Research On The Rural Households' Willing For Land Contractual Management Right Mortgage Loan In Henan Province

The land is the most important production factor in the rural area,but is limited by the land ownership of our country,its property function can not be realized for a long time,and the rural economic development is hindered.The implementation of the rural land contractual management right mortgage loan policy helps to alleviate the rural finance inhibition phenomenon,improve rural financial supply,enhance the motive force of agricultural development and is of great significance to the release of the rural production vitality and the acceleration of the rural economic development.Understanding the difference in the choice of mortgage willing of farmers with different characteristics is beneficial to the smooth implementation of the mortgage policy of the rural land contractual management right.Based on the investigation of the 366 rural households' willing for land contractual management right mortgage loan in Henan Province,this paper applies the ordered logistic model to empirically analyze that how rural households' characteristics and credit constraint influence the rural households' willing,willing amount and willing period for land contractual management right mortgage loan.The results show that the influence of farmers' age on the willing,willing amount and willing period for land contractual management right mortgage loan is inverted U-shaped,the influence of understanding land contractual management right mortgage loan police is positive,and the influence of share of agricultural income in total income is negative.The influence of large family name,share of production expenditure in total expenditure and land scale on the willing for land contractual management right mortgage loan is positive,but the influence of number of migrant workers is negative.The influence of education level,that the main occupation is self-employed industry and commerce,that the main occupation is agriculture and that families have had financial difficulties over the past three years on willing amount and willing period for land contractual management right mortgage loan is positive,but the influence of implementation of rural land contractual management right mortgage loan policy is negative.The influence of agricultural expenditure on willing amount for land contractual management right mortgage loan is positive.That the type of family agricultural activity is farming has positive influence on willing amount for land contractual management right mortgage loan,but negative on willing period for land contractual management right mortgage loan.In terms of credit constraint,the influence of price constraint on willing,willing amount and willing period for land contractual management right mortgage loan is negative.The influence of quality constraint on willing and willing amount for land contractual management right mortgage loan is positive.The influence of multiple constraint on willing amount for land contractual management right mortgage loan is positive.Based on the above research,this paper puts forward some policy suggestions,such as deepening the reform of rural financial system,speeding up the transfer of rural land,promoting the development of modern agriculture and perfecting the rural social security system.