本文選題：農村土地經營權 + 抵押融資��； 參考：《西北農林科技大學》2017年碩士論文

【摘要】：隨著農業(yè)產業(yè)化和規(guī)�；陌l(fā)展,新型農業(yè)生產經營組織不斷涌現(xiàn),對信貸資金需求不斷擴大,然而大多數(shù)農戶由于缺乏有效的抵押物,從正規(guī)金融機構獲得貸款較困難,難以滿足大規(guī)模經營生產的需要,融資難問題已經成為制約“三農”發(fā)展的一個重要瓶頸。為了快速推進現(xiàn)代農業(yè)發(fā)展,解決農戶融資難的問題,國家提出農村土地“三權分置”的概念,并允許土地經營權作為抵押物向金融機構進行抵押融資,以增加農村的資金供給,促進我國農業(yè)經營方式由傳統(tǒng)農業(yè)向現(xiàn)代化農業(yè)轉變,實現(xiàn)規(guī)�；洜I、現(xiàn)代化管理,為進一步增加農民收入和促進農村經濟發(fā)展提供了發(fā)展路徑和制度保障。本文在農村土地產權“三權分置”背景下,以“純抵押型”和“抵押+擔保型”農村土地經營權抵押融資模式運行為研究對象,總結歸納農村土地經營權抵押融資模式運行的現(xiàn)狀、特征和主要存在問題,并通過對試點地區(qū)調研數(shù)據(jù)和統(tǒng)計資料的整理,從農戶自身特征、政策環(huán)境特征、金融機構特征三個方面,構建二元logit回歸模型分析農村土地經營權抵押融資模式運行的影響因素。通過實證回歸分析,研究發(fā)現(xiàn)家庭資產、信用等級、政府貼息、參與農業(yè)保險、銀行的積極性、貸后監(jiān)管力度與“純抵押型”農村土地經營權抵押融資模式運行有顯著的正向影響;家庭資產、土地經營面積、信用等級、參與農業(yè)保險、土地價值評估體系、貸后的監(jiān)管力度與“抵押+擔保型”農村土地經營權抵押融資模式運行有顯著的正向影響;貸款利率與農村土地經營權抵押融資模式運行有顯著的負向影響。最后,從加強農村征信管理、加強產權交易市場建設、完善價值評估體系、風險分擔等角度提出完善農村土地經營權抵押融資模式運行的政策建議。
[Abstract]:With the development of agricultural industrialization and scale, new agricultural production and management organizations are emerging and the demand for credit funds is expanding. However, because most farmers lack effective collateral, it is more difficult to obtain loans from formal financial institutions. It is difficult to meet the needs of large-scale operation and production, and the problem of financing has become an important bottleneck restricting the development of agriculture, rural areas and farmers. In order to promote the development of modern agriculture quickly and solve the problem of farmers' financing difficulty, the state put forward the concept of "three rights division" of rural land, and allowed the land management right to mortgage financing to financial institutions as collateral. In order to increase the supply of funds in rural areas, to promote the transformation of agricultural management from traditional agriculture to modern agriculture, and to realize large-scale operation and modern management, It provides development path and system guarantee for further increasing farmers' income and promoting rural economic development. Under the background of "three rights separate structure" of rural land property right, this paper takes the operation of "pure mortgage" and "mortgage guarantee" mode of rural land management right mortgage financing as the research object. This paper summarizes and summarizes the current situation, characteristics and main problems of the operation of mortgage financing mode of rural land management right, and through the collation of the investigation data and statistical data of the pilot area, from the characteristics of the farmers themselves, the characteristics of the policy environment. This paper constructs a dual logit regression model to analyze the influencing factors of the operation of the mortgage financing mode of rural land management right in three aspects of the characteristics of financial institutions. Through empirical regression analysis, the study found that household assets, credit rating, government discount interest, participation in agricultural insurance, bank enthusiasm, The strength of supervision after loan and the operation of "pure mortgage" land management right mortgage financing mode have significant positive influence; household assets, land management area, credit grade, participation in agricultural insurance, land value evaluation system, The supervision strength after loan and the operation of "mortgage guarantee" rural land management right mortgage financing mode have significant positive influence, while the loan interest rate and the rural land management right mortgage financing mode operation have significant negative influence. Finally, from the perspective of strengthening the management of rural credit information, strengthening the construction of property rights trading market, perfecting the value evaluation system and risk sharing, the paper puts forward some policy suggestions to improve the operation of the mode of mortgage financing of rural land management right.
【學位授予單位】：西北農林科技大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.43;F321.1

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