Study On Influencing Factors Of The Mortgage Willingness Of Farmers' Farmland Management Right

In the 2014,Shuangfeng County had became the first pilot area in Hunan province to implement a mortgage loan for land management rights,and it became a pilot area proposed by the state in the 2015.The Innovation of Rural Land Financial System,invigorate the rural funds,benefit for the large produce famers,mobilize the enthusiasm of farmers ' loans,and promote the agriculture develop towards large-scale production in Shuangfeng.However,Due to the inadequate work of rural land property rights in Shuangfeng County,farmers ' lack of understanding of the loan policy and the imperfection of the rural pension system,the willingness of farmers to carry out mortgage loans for land management rights is not high,and the poor credit conditions in rural areas have become the reason for the cautious lending of financial institutions.Based on this background,I choose the Qingshuping town?Suoshi town and Huamen town as the target,to found the main reasons which influence the famer's willingness of rural land loan in Shuangfeng by means of questionnaire and on-site interview.Therefore,I can make policy recommendations to the government and financial companies on mortgage lending.After reading a lot of research literature on the influencing factors of the mortgage willingness of farmers ' land management right,I kown the present situation of the mortgage loan of farmland management right in China.I analyze the present situation of the current land mortgage loan in Shuangfeng County by studying the relevant theories.Based on the reaserch of famers in the Qingshuping town?Suoshi town and Huamen town,suevey 104 households' willingness of mortgage loan by random sampling.After collating the data,I ues it to make a descriptive statistical analysis,and finally I regress the factors which through the 5% statistical level.Draw conclusions:(1)The famers' willingness of land mortgage is not very strong in shuangfeng.Because bank loans need collateral,the lack of collateral for farmers makes most farmers think it is difficult to borrow from banks and prefer other ways of borrowing.The mortgage loan of land management right expands the financing channel of farmers,relieves the difficult situation of farmers ' loans,and obtains the welcome of farmers.However,Because of the failure of the work to determine the rights of the people and the lack of a rural social security system,many farmers lack of security,do not dare to use the final survival guarantee of the land for mortgage loans.(2)Regression analysis shows whether there is a positive correlation between the experience of bank loan and whether the mortgage loan of rural land management right is known to carry out land mortgage loan to Shuangfeng County farmers,The influence of other factors on variables is not very significant.Because Shuangfeng is a large agricultural county,but the level of agricultural development is low,the conclusion of this paper and other pilot areas of the impact factors are quite different.Finally,Based on the research conclusion,this paper puts forward some policy suggestions to the government and banks.in order to improve the farmers ' mortgage willingness of agricultural land management in Shuangfeng County.