| In December 2015,the State Council announced the list of 232 pilot counties for the country 's rural contracted land management right mortgage loans,with Pingluo County,Tongxin County,and Yangling Demonstration District among them.Each pilot project has contributed a lot of strength to the reform and development of agricultural land mortgage financing,and has achieved certain results in the entire process of carrying out rural land property mortgage financing experiments.However,due to different land resource endowments,farmers' income levels and rural financial development levels in the pilot areas,the effectiveness of farmland management rights mortgage loans will also vary.Through the research on the effectiveness of farmland management right mortgage loans,the success reasons and problems faced by the pilot are summarized,in order to provide certain reference opinions for the promotion of northwest farmland management rights mortgage loans.Based on the theory of land property rights and the theory of regional differences,this paper compares the effectiveness of the three farmland mortgage loans in Yangling District,Shaanxi Province,Pingluo County in Ningxia,and Tongxin County in Ningxia.First of all,the three farmland mortgage loans were introduced,and the three pilot models and their implementation effects were analyzed.Among them,the Yangling pilot was "farmer household + financial institution" model,and the Pingluo county pilot was "farmer household + village committee + finance" "Institution" model,the pilot of Tongxin County is "farmer + land cooperative + financial institution" model,on this basis,some problems in the pilot are found.Then empirical analysis of the effectiveness of the three pilot farmland mortgage loans from the two aspects of availability and farmer household income increase: the orderly logistic model was used to analyze the availability,from the farmer 's willingness to participate in farmland mortgage loans and the acquisition of farmland mortgage loans The situation and the satisfaction of the loan funds with the production and life of farmers are evaluated in three aspects: the difference in the availability of land mortgage loans for farmers in the three pilots;the fixed effect model is used to analyze the income increase of farmers,using agricultural income as a measurement indicator,and studying the pilots in different models and other regions Under the influence of characteristics,the impact on the increase in agricultural income of farmers is compared with the difference in the impact of the three pilot farmland mortgage loans on the increase in agricultural income.Research conclusions:(1)The proportion of family agricultural labor force and whether or not they have obtained a land title certificate are significant factors that affect the availability of loans to farmers in Yangling District;(2)educational level,age,proportion of family agricultural labor force,and expectations The nine variables of repayment period,per capita insurance payment amount,whether a land property certificate has been obtained,the expected loan interest rate,and the information entry of the credit information system are significant factors that affect the availability of farmland mortgage loans for farmers in Pingluo County;(3)9 variables including education level,age,proportion of family farm labor force,expected loan interest rate,insurance payment,remaining fund gap,annual household income,and whether or not a land title certificate has been obtained are the factors affecting the availability of farmland loans for farmers in Tongxin County Significant factor.(4)The average effect of loans from Tongxin County on farmers 'agricultural income is the most positive;Pingluo County is second,and the average effect of loans from Yangling District on farmers' income is not significant.(5)The positive impact of the three pilot farmland mortgage loans on farmers 'income has a sustained effect in the short term,of which Tongxin County has the most obvious effect on promoting farmers' agricultural income.In response to the regional differences arising from the pilot,the policy recommendations given in this article are:(1)clarify the government's positioning;(2)promote the construction of supporting service systems;(3)financial institutions set a reasonable loan term;(4)guide agricultural scale and professionalism(5)Separation of land contract right certificate and operation right certificate. |
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