作　　者： ;

机构地区： 武汉理工大学深圳研究院

出　　处： 《宏观经济研究》 2019年第1期158-175,共18页

摘　　要： 随着当今新型城镇化与农业现代化的推进,现行的农地管理制度弊端逐渐显现:经营过度分散、基础设施损耗、大片农地闲置、生产无序,严重制约了农地资源的使用效率。在乡村振兴战略与农地'三权分置'改革的背景下,农地经营权抵押融资对于提升农地资源利用率、推进适度规模经营具有重要意义。本文结合农村金融学、风险管理相关理论,通过对湖北、安徽、河南、河北四省试点县农业经营主体、主管部门、涉农金融机构等业务主体以及高校理论专家的实地调研与深度访谈,对农地经营权抵押融资风险进行辨识,运用结构方程模型对风险因素进行评价,发现政治因素、市场因素两个宏观因素与抵押物因素、涉农金融机构、融资方自身因素三个微观因素对农地经营权抵押融资风险具有显著正向影响,最终基于实证分析结果从风险环境与业务主体两个层面为风险防控机制的建立提供建议。 With the advancement of new urbanization and agricultural modernization, the existing agricultural land management system has gradually emerged : excessive management, loss of infrastructure,large areas of agricultural land idle,and disorderly production, which seriously restrict the use efficiency of agricultural land resources.Under the background of the rural revitalization strategy and the ’ three-power split ’ reform of agricultural land, the financing of agricultural land management rights is of great significance for improving the utilization rate of agricultural land resources and promoting moderate scale operation.Based on the theory of rural finance and risk management,this paper conducts on-the-spot investigation and in-depth interviews with business subjects such as agricultural management entities,competent departments, agriculture-related financial institutions, and university theoretical experts in Hubei, Anhui, Henan, and Hebei provinces. The farmland management right mortgage financing risk is identified, and the structural equation model is used to evaluate the risk factors. It is found that the political factors, the market factors, the two macro factors and the collateral factors, the agriculture-related financial institutions, and the financing party’ s own factors are three micro-factors. The land management right mortgage financing risk has a significant positive impact. Finally, based on the empirical analysis results, it provides suggestions for the establishment of the risk prevention and control mechanism from the risk environment and the business entity.

关 键 词： 农地经营权抵押融资风险 结构方程模型 农地“三权分置” 乡村振兴

分 类 号： [F321.1;F832.4]

领　　域： []