Study On The Willingness Of Farmers To Participate In The Mortgage Loan Of Land Management Right And Its Influencing Factors In Jilin Province

China has a large agricultural population.The rural economy is related to the national economic development and the stability of the overall social situation.As a large agricultural country,China's agricultural industrialization,agricultural modernization process is speeding up,and the economy is developing rapidly.However,one of the main obstacles to the development of rural economy is the lack of capital investment in production and management of rural and farmers.The problems of farmers' investment and financing,loan difficulties and so on are prominent,which to a certain extent restricts the increase of farmers' income and slows down the pace of rural economic development.The survey shows that the lack of effective collateral recognized by financial institutions is one of the important reasons for farmers' difficulties in mortgage and loan.The mortgage loan financing of agricultural land management right is an effective way to improve rural financial services,broaden financing channels and eliminate the bottleneck of loans.It can promote the economic development of rural areas and optimize the rational allocation of agricultural resources,which is of great significance to rural and agricultural development.Therefore,the government has issued policies to promote the innovation of rural financial products,and the mortgage loan of farmers' land management right is an important and operable effective measure.Starting from the willingness of farmers to participate in the mortgage loan of land management right,this paper re analyzes the factors behind the phenomenon of "slow promotion" and "difficult promotion" of the mortgage loan of land management right in China at this stage,selects six counties in the East,middle and west of Jilin Province to carry out the questionnaire survey of mortgage loan of land management right of farmers,and uses the binary logistics regression model to offset the impact of land management right of farmers The factors of the willingness of mortgage loan are analyzed one by one.The main conclusions are as follows: the age of the head of household,the education level,the willingness to continue farming,the land area,the loan fund help and the degree of policy satisfaction all have a significant impact on the willingness of the farmers to mortgage the land management right.The results show that although farmers in Jilin Province have strong willingness to participate in the mortgage loan of land management right,there are defects in the policy,and farmers are reluctant to lend because of the troublesome loan procedures and high cost.Based on these conclusions,this paper puts forward policy suggestions,hoping to promote the development of farmers' land management right mortgage loan.