Farmers Land Mortgage Will Research And Its Influence Factors

Farmers lack collateral, financing difficulties have long restricted the development of rural economy and increasing farmers’ income, and the land is the largest farmer’s property, stimulate capital function of land, farmers’ loans to solve the problem is imminent.In recent years, the relevant departments and local governments are also aware of the problem, land management right mortgage pilot emerged. The farmers as the demand of land mortgages, from the perspective of farmers to explore research characteristics of farmers’ land rights mortgage, intention and its influencing factors, has very important effect to promote the reform of rural land.Based on the land property rights theory, the planned behavior theory and the theory of economic man hypothesis, using the research methods of normative analysis and empirical analysis, choose 200 samples of farm households of LongXing town、YangMa town、SanJiang town、JiXian town、Jiang Yuan Town, which affiliate to ChongZhou city, as the research object, through the study of Land management rights mortage feature and shortage of mortgage and the farmers land mortgage loan intention and its influence factors, thus summarize its regularity, in order to further improve the land management of mortgage loan policy, promote the land management rights mortgage work, deepen the reform of the rural land system and promote the development of agricultural investment and financing system to provide beneficial theoretical guidance and practical support. The major concluded findings are as follows:Firstly, the implementation of the management of city land mortgage of ChongZhou mainly driven by the government, it has established a preliminary assessment mechanism, risk security mechanism and insurance mechanism, financing results significantly.Secondly, city land mortgage lack of high quality demand of demand side, weak capability of integrating with market demand, the processing of the mortgaged property and recover the difficulties.Thirdly, relatives and neighbors such as informal channel is still the main source of microfinance demand, farmer’s microfinance funds are used to satisfy the life needs usually.Forthly, farmers land mortgage will is low,this is relative to the long-term notion of "debt-free" of famers have, at the same time, by the rapid development of agricultural cooperatives, most join cooperatives farmers don’t need to worry about the land management and capital raising problems, it is also one reason for the low mortgage will.Fifthly, farmers in land mortgage loans underlying demand is given priority to the producing and investment purpose, the expectation of peasant household loans quotas on 30000-50000 yuan, expectations of 1-3 years.Sixth, family income per capita, contracted land area, understanding of the loan policy situation, the local financial institutions, service satisfaction for mortgage intention have significant positive influence on farmers. Householder age, gender, educational level has a significant negative effect on peasant household mortgage intend. And family population, the number of students in school, if there is a village cadres in the home, whether to join the sco, the convenience degree of the financial institutions in the back and forth farmers land mortgage will no significant influence.Seventh, different influence factors on the influence degree of the peasant household mortgage will different. According to the influence degree of order from large to small is contracted land area, understanding of the loan policy situation, the head of the household, age, cultural degree, head of the household, gender, head of the household service satisfaction, per capita income of local financial institutions.