Analysis of Influencing Factors of Land Management Right Mortgage Loan From the Perspective of Farmers——Taking Jinzhai County as an Example
Taking Jinzhai County of Lu'an City in Anhui province as an example,a binary logistic regression model was constructed to analyze the factors influencing the promotion of land management right mortgage loan policy from the perspective of farmers'credit demand.The research shows that in terms of individual status,farm-ers'education level and social relationship are directly proportional to farmers'mortgage loan intention,and the size of family labor force and business types are inversely proportional to farmers'mortgage loan intention.In terms of asset status,the proportion of household annual income and income composition is inversely proportional to farmers'mortgage loan intention.In terms of cognition,the higher the farmers'understanding of policies and regulations,the higher their willingness to borrow.The policy suggestion is to improve the construction of rural social security systems and eliminate farmers'worries;It is necessary to improve the rural land transfer market,build a rural land transfer platform,and reduce the difficulty of mortgage realization and disposal;It is necessary to strengthen the supervision and guidance of mortgage loans for rural land management right,and maximize the role of loan funds in promoting agricultural income.
mortgage loans for land management rightsrural land management rightregression analysis
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