A Study On Land Management Right Mortgage Willingness And Influencing Factors Of Family Farms

Agriculture is the fundamental industry of our country.New type agricultural operators are the important forces for building modern agriculture.As one of the new type agricultural operators,family farms have a strong need for financing during the process of steady development and the moderate scale management.However,the lack of proper collateral makes it difficult for family farms to obtain financing.The promotion of land management right mortgage can,in some extent,alleviate the plight for the financing problem of new-type agricultural operators and broaden the financing channels.This paper chose Chongzhou,which has a long-term pilot experience,as an empirical area.And it analyzes the land management right mortgage status in Chongzhou,explores the willingness and influencing factors of land management mortgage for family farms.It has important theoretical and practical significance for promoting the healthy and orderly development of land management mortgage.Based on the theory of planned behavior,land property right theory,credit guarantee theory,through field research and surveys and using multiple regression models and structural equation models,this paper studies the factors influencing the intention of land management right mortgage of family farms.The first part is the introduction;the second part is the definition of relevant concepts?theoretical basis and research hypotheses.The third part is the selection process of influencing factors.The fourth part is the overview of the research area and the data analysis.The fifth part is empirical analysis of the factors affecting the land management right mortgage;The sixth part is the conclusion and recommendations.The main conclusions are as follows:1.The willingness to conduct land management mortgage for family farms is very strong,with 70.94% of the respondents expressing their interest in new financing methods.2.There is a negative correlation between the age of the family farm's owners and their behavioral intention.Education level,familiarity with the loan officer,fixed assets,land area,and scale development have a significant positive impact on the family farmer's behavioral intention.3.The standardized factor load for the impact of behavioral attitudes on willingness is 0.272.The factor "land management right mortgage can solve the problem of wanting to borrow money but have no mortgage assets" has the largest load with 0.896.The standardized load factor of perceived behavior control was 0.324.The highest factor load is “banks have a positive attitude towards land management right mortgage” with 0.848.The standardized factor load of perceived behavior control is 0.391.The highest factor load is “land management right mortgage rate is favorable” with 0.839.4.Countermeasures and suggestions:(1)Improve rural land circulation market construction;(2)Improve rural financial service levels and innovate financial products;(3)Establish risk prevention and control system;(4)Strengthen the propaganda of land management right mortgage...