作　　者： ;

机构地区： 西南民族大学经济学院

出　　处： 《中国土地科学》 2011年第7期50-55,71,共7页

摘　　要： 研究目的:考察农村土地银行履行融资中介职能的需求基础是否具备。研究方法:构建农地抵押贷款模型进行理论分析,并运用成都"试验区"调研数据进行Probit模型实证检验。研究结果:(1)少部分村民对土地房屋为抵押品的债务融资有需求,经商阶层最强烈,但总体态度谨慎。(2)制约村民需求的因素包括抵押融资交易成本及风险、村民主要收入来源等。研究结论:农地抵押融资是农村改革的大势所趋,但现阶段构建专门的农村土地银行的基础尚不具备,农地抵押融资业务可依托现有金融机构开展,并需要十分重视降低农地抵押融资成本和村民失房失地风险。 The purpose of this paper is to analyze whether the willingness of farmers to establish a rural land bank system is sufficient in China. Methods of the mortgage theory and the probit model are employed. The results indicate that only minority of the Chinese farmers are demanding for land mortgage. The farmers who have good off-farm business show the strongest willingness to establish such rural land bank system. However, the farmers are cautious about land mortgage. The conclusion of the paper is that the condition is not sufficient to establish the rural land bank system in China. Therefore the current land mortgage can be based on the current rural financial institutions. However, the cost of the mortgage and the farmers＇ risks of losing land and house should be paid more attention in the future.

关 键 词： 土地经济 农村土地银行 模型 抵押贷款 融资意愿

领　　域： [经济管理]