| China's agriculture is in the rapid development stage of the transformation and upgrading to the scale and industrialization,and the farmers' demand for capital in production and management is increasing.Farmers' own funds are usually not enough to fill the gap of funds in agricultural production and operation.Because of many conditions and lack of financial assets approved by the financial institutions,they are heavily excluded from the financial sector and are hard to obtain credit funds.In order to solve the difficulties of farmers' credit,activate the sleeping capital in rural areas and give full play to the mortgage function of rural property rights,the pilot of rural property right mortgage financing has been carried out in China.At present,the pilot area of farmland management right mortgage loan has covered 30 provinces and cities outside Shanghai.These pilot areas' practice of mortgage loan of rural land contractual management right is a useful exploration to break through the bottleneck of rural financial reform and development.As the vulnerable groups in the rural financial market,farmers on the one hand by the mortgage difficult,guaranteed loans difficult problems,but also difficult to obtain relevant information of farmland management right mortgage,causes farmers to rural land management right mortgage judgment is not accurate,the phenomenon of uneven participation.Therefore,the development and perfection of rural land management right mortgage,must be settled to the main land management right mortgage financing,namely the cognition and behavior of farmers,and farmers' cognition of rural land management right mortgage business pilot and participation behavior,the future how to improve credit availability and effectiveness to study and exploration.In this paper,Pingluo County mortgage pilot the Ningxia Hui Autonomous Region County agricultural land management rights as an example,using micro data from Ningxia Pingluo 381 households,the introduction of the theory of planned behavior(TPB)will be divided into three dimensions: farmers cognitive behavioral attitude,subjective norm and cognitive control,analysis of farmland management cognition and behavior status of the right of mortgage and the existing problems,and the construction of the farmers' cognition and behavior of structural equation model,using the mechanism of the influence of SEM model: An Empirical Study on Farmers' cognitive behavioral attitude,subjective norm and cognitive control of behavior intention and behavior of the rural land management right mortgage response.Through the discussion of the key factors behind the mortgage loan behavior of farmers,it will provide ideas and scientific basis for the government to effectively carry out the mortgage loan business of farmland management right in the future.Conclusion: first,the theory of planned behavior is reasonable and applicable in the mortgage of land management right of farmers' participation behavior,and farmers' behavior attitude,subjective norm and cognitive control three,subjective norm has the most significant positive impact on Farmers' participation behavior;behavior intention and behavior in response to positive correlation,but the behavior the intention was higher than the behavior response mean,explain behavior intention of farmers' participation in rural land management right mortgage is not fully and effectively into loan behavior;second,farmers believe that the rural land management right mortgage to help solve the financing difficulties of the loan level,policy of understanding,that the government is actively promoting rural land management right mortgage business,think of the approved loans difficulty,risk assessment value,on the mortgage of land operation right of approval The degree and the difficulty of paying back on time are the most important factors to determine the participation of farmers' land management rights.According to the farmers' cognition and behavior status of Pingluo County,land management right mortgage loan existence problems and research conclusion,put forward the corresponding policy recommendations.First,the government and financial institutions should strengthen the rural land management right mortgage policy publicity;second,should revise and improve the rural land management right mortgage related laws and regulations;third,the establishment of rural land management right mortgage loan risk guarantee mechanism;fourth,we should establish rural property rights transfer platform,improve the rural land value assessment system;fifth,should be gradually to improve the rural social security system. |
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