Study On Optimization Of Farmland Property Mortgage Loan Mode Based On The Perspective Of Loan Officer

Agricultural land mortgage loans to solve the credit market in the reverse selection and moral hazard through land as collateral,alleviate credit constraints and improve the credit availability of farmers.As one of the areas where the agricultural land right mortgages started earlier in Shaanxi Province,Yangling agricultural land mortgage loans developed very rapidly,forming a certain influence in the surrounding area "Yangling model".2016 Central No.1 document pointed out that "under the premise of risk control,in an orderly manner to promote the right to operate the contracted land in rural areas and farmers housing property mortgage loans pilot,and actively develop forest mortgages.",Marking the property rights mortgage pilot work will continue To promote the depth of the region should be combined with local characteristics,and strive to explore the local economic and social development to adapt to the loan model.Therefore,the paper chooses to represent the government-oriented "Yangling model" as the research object,from the micro-perspective of the loan officer to analyze the mortgage model of property rights,the western region of the mortgage model to provide relevant recommendations.On the basis of combing the domestic and foreign research on farmland property right mortgage loan,this paper summarizes the current situation,characteristics and shortcomings of the Yangling model,which is based on the theory of property right theory and transaction cost.This paper analyzes the relationship between the farmers’ characteristics,the policy system and the financial environment on the supply intention of the supply side from the perspective of the financial institutions,using the Logit model to quantify the relationship between the willingness and the influencing factors of the agricultural land right mortgages from the perspective of the credit institution of the financial institution "Yangling model" lack.On the basis of the experience of "concentric mode" and "Gaoling model",this paper puts forward the relevant policy suggestions and countermeasures to optimize the government-oriented "Yangling model" of farmland property right mortgage loan with a view to form a government-leading agricultural land right Mortgage model.The paper draws three conclusions: First,through the investigation of the typical "government-led" agricultural land mortgage model-"Yangling model" investigation found that the implementation of the model is not limited to Yangling,"Yangling model" is not But also on the implementation of similar "government-led" model of the general term,while the paper also has a collapsible project comprehensive,property rights trading market mechanism,the property rights mortgage risk compensation mechanism is complete,etc.Features.But at the same time,"Yangling model" there is no professional property rights valuation agencies,the lack of relevant legal protection in practice,the government involved too much and so on.Second,the comprehensive regression analysis and marginal impact analysis,the loan officer farmland property mortgage loans willingness to influence factors,the regression coefficient and marginal effects are significant factors are: farmer education,property rights assessment agencies,property rights assessment of perfection,Risk compensation system,legal perfection.These factors have a significant impact on the willingness of agricultural land mortgage loans,but also on the "Yangling model" a significant impact on the future development.Among these significant factors,the positive impact factors are marginalized according to the size of the impact: legal perfection,property rights assessment,property rights assessment agencies to establish the situation,the risk compensation system.Negative influencing factors are marginalized by the marginal size: farmer education level.This paper analyzes the results of empirical analysis in this chapter,and points out that the "Yangling model" needs to be carried out on the legal protection of farmland,the construction of property rights appraisal institution,the construction of multi-level risk sharing compensation mechanism and the degree of government intervention optimization.Thirdly,through the conclusion of empirical analysis and domestic practical experience,the paper argues that in optimizing the existing "Yangling model",we should take the initiative to adapt to rural reality,agricultural characteristics,farmers’ needs,deepen rural finance and meet the increasing financing needs of farmers.And put forward the legislation to protect the stability of the policy and legal environment,to speed up the development of specialized agricultural land property rights evaluation agencies to strengthen the market participation in the introduction of civil institutions,the construction of multi-level loan risk compensation mechanism “Yangling model” optimization plan.