Research On The Influencing Factors Of Small Farmers’ Participation In The Mortgage Loan Of Rural Land Contractual Management Rights

Driven by the continuous development of agricultural industrialization and scale,the farmers’ demand for production funds is constantly expanding.The main form of financing is to borrow money from local financial institutions.However,due to the lack of effective collateral for most farmers,it is difficult to obtain credit from formal financial institutions and effective financing.The farmers still have the problem of loan difficulty,which is also an important bottleneck restricting the development of "agriculture,rural areas and farmers" and rural areas in China.Therefore,our country actively promotes the rural financial reform,among which the mortgage loan of the right to contracted management of rural land has become an effective innovative measure,that is,allowing farmers to use their land management rights as collateral to finance financial institutions.However,the effective implementation of this measure depends on farmers’ cognition,willingness and behavior.Therefore,this thesis takes 309 households in Qixia City,the "apple capital of China" as the research object,and based on the theories of land property rights,farmers’ behavior and rural finance,studies the influencing factors of farmers’ participation in the "farmland loan" behavior.First of all,combing the relevant domestic and foreign literature to build the theoretical framework of this thesis;Secondly,through on-the-spot investigation,we can know the current situation of "farmland loan" in Qixia city.Third,through descriptive statistical analysis,find out the difference between the participating groups and the non-participating groups,and clarify the characteristics of the service objects of "agricultural land loan";Fourthly,the binary Logistic model is adopted to study the influencing factors of farmers’ participation in the "farmland loan" behavior,and to clarify the degree and path of influence of different factors;Finally,the thesis analyzes the reasons why farmers do not participate in "agricultural land loan" and puts forward policy suggestions to improve their participation.The results show that the farmers’ participation in "farmland loan" in Qixia City is not high,only 36.9%.The education level of the head of household,loan experience of commercial banks,policy cognition,land ownership confirmation,migrant workers,social security and land area have significant positive effects on farmers’ participation in the "farmland loan" behavior;The age of the head of household has a significant negative impact on farmers’ participation in the "agricultural land loan".The reasons for the low participation of farmers mainly include: some land resources have not been confirmed,the third party’s assessment of their land value is lower than the psychological expectation,farmers lack policy awareness,repayment methods do not adapt to farmers’ production characteristics,farmers’ plot of "land-loving" is deeper,etc.Therefore,this thesis puts forward corresponding policy suggestions from accelerating the confirmation of land rights,improving the publicity of "land loan" policy,perfecting the land value assessment,innovating financial products and services,perfecting rural social security,etc.In order to mobilize the enthusiasm of farmers to participate in the "agricultural land loan",to promote the smooth implementation of the "agricultural land loan" policy,to help solve the problem of farmers’ loan difficulties caused by the lack of collateral.