Research On The Promoting Issue Of Land Income Guarantee Loans

The contemporary rural economy is the main idea of the rural finance. Intoday’s China’s rural economic development of the rural financial supplyseverely restricted. Farmers loans difficult is inadequate rural financialdevelopment, an important reason of this problem seriously restricted thefarmer the expansion of agricultural production and operation andproduction structure adjustment, has affected the farmers into riches andthe increasing property income. Farmers loans difficult, investigate itsreason, the "root" is the farmers lack of necessary requirement ofmortgage loan conditions. On the occasion, the land income guaranteeloans carried out by the jilin province first in LiShuXian pilot, the pilot isno longer constrained by lack of loan collateral loan business, to take theform of guarantee loans, farmers loans financing caliber to get relaxed.Guarantee loans, land benefit further study found insufficient, points outthe problems, expanding the scope of the business areas, to promote thedevelopment of rural finance has positive significance. This article firstexpounds the theoretical basis of land income guarantee loans, includingthe basic concept of land income guarantee loans, land property rightstheory, etc., about the present situation of rural land financial system, theland income guarantee loans and mortgages and the right to thecontracted management of rural land direct subsidies to illustrate the comparison of funds guarantee loans; Then the specific way of landincome guarantee loans is discussed in detail, on the basis of the pilotcase LiShuXian of jilin province land income guarantee loan businesspresent situation analysis; Then according to the changchun city townfarmers NongAnXian three hills, the questionnaire survey data obtainedin the empirical analysis, using the binary logistic logic model,influencing farmers’ willingness to guarantee loans, land benefit foranalysis of influence factors, for the expansion of business pilot; Finally,from the perspective of decision-making departments and rural financialinstitutions put forward feasible Suggestions to pilot business expansion.