Research On Farmers’ Participation Behavior In Rural Land Management Right Mortgage And Its Influencing Factors

Recent decades,China’s agricultural modernization and large-scale agricultural development are also booming with China’s economic development.,and the rural economy is showing a trend of diversification Agricultural modernization and large-scale operations bring huge capital requirements.However,under the current rural economic system,the shortage of rural funds has not changed,and financing difficulties remain a problem in the development of agricultural economy.In order to solve the need for funds for agricultural development,alleviate the difficulty of farmers’ loans,and activate the sleeping capital in rural areas,the state has begun a series of explorations in rural financial reforms.Pilot projects on rural land management right mortgage have emerged.Pilots began in 232 counties across the country in 2015,and the "Law of the People’s Republic of China on Rural Land Contracting",which came into effect in 2019,announced that mortgages on rural land management right mortgage could be extended nationwide.As the main body of demand for the rural land management right mortgage,the participation of farmers is crucial to the improvement and promotion of the rural land management right mortgage policy.On the one hand,farmers have a loan demand,and on the other hand,the information is lagging behind.Therefore,the effect of the implementation of this loan policy will be affected by the farmers’ loan behavior.Analyze the farmers’ awareness,willingness and response to the rural land management right mortgage.in the pilot area,and further explore its influencing factors and mechanism,which has great theoretical and practical value for the promotion and practice of rural land management right mortgage.This article uses 564 farmers in Pingluo and Tongxin,as a sample.Based on the theory of mediation effects and farmers ’behavior theory,this article explains the internal relationship and function path between financial environment,farmers’ awareness,willingness to loan and response to loans.The new intermediary effect test process was used to test the direct effects of the financial environment on farmers ’awareness of the rural land management right mortgage,their willingness to participate,and their response.And the degree of farmers’ awareness of the impact of the rural land management right mortgage in the financial environment mediating effects in participation willingness and response.The main conclusions are: first of all,the financial environment of villages and towns has a significant effect on the mortgage behavior of farmers’ rural land management right.Specifically,the number of financial institutions in villages and towns has a significant impact on the willingness and response of rural households to participate in the rural land management right mortgage.The degree of transportation convenience of financial institutions and the quality of loans provided by financial institutions are positively affecting the behavior of rural households’ mortgages of rural land management rights.Secondly,the degree of farmers’ awareness of the rural land management right mortgage has an intermediary effect on the impact of financial institutions on farmers’ loan behavior.Specifically,the intermediary role of peasant financial institutions in developing farmland property rights mortgages is the strongest.The intermediary role of the peasants’ farmland management rights mortgage process complexity is second,and the peasant farmland management rights mortgage policies mediating effect is not obvious.Therefore,it is important to improve the behavior of farmers on the rural land management right mortgage in terms of improving the financial environment,increasing the enthusiasm of financial institutions,and raising the level of farmers’ awareness.Aiming at the present situation problems and research results of the rural land management right mortgage of farmers in Pingluo and Tongxin,the following countermeasures and suggestions are proposed by this article: first of all,from the perspective of farmers,we must improve their awareness of the rural land management right mortgage,encourage and support the scale operation of farmers,thereby stimulating demand for loans and improving farmers’ participation.Secondly,from the financial institution side,we can set up more outlets and send more loan officers to improve the professionalism and service quality of staff,so as to improve the financial environment and stimulate farmers’ loan behavior.Finally,at the government level,it is necessary to improve the risk guarantee mechanism,establish a sound agricultural land value evaluation and transfer transaction platform,and lay the foundation for the orderly implementation of the rural land management right mortgage.