Analysis Of Influencing Factors Of Tieling County Rural Housing Property Mortgage Loan Willingness

In China,rural housing is the most important family property of farmers.Their mortgages,guarantees,and transfers are clearly stated by the government at the Third Plenary Session of the 18 th Party Central Committee and the Central Document No.1 of 2014 to ensure the use of rural housing sites.On the basis of property rights,promote the flexible use of rural housing property rights.Mortgage loans for rural housing property rights are an important way for farmers in our country to obtain financial support.It is of great practical significance to solve the difficulties of rural households in operating loans,the shortage of funds in rural areas,and the narrow financing channels for farmers.In Tieling County,Liaoning Province,as a pilot area,in 2016,it collaborated with the Tieling City Lianxunshe in rural areas to launch mortgage loans for rural housing property rights.This article takes the rural housing property rights as the research object,through the literature research method,field questionnaire survey method,interview method,descriptive statistical analysis method,and comprehensively applies the learned knowledge,from the characteristics of the household head of the farmer household,the situation of the households of the farmers,the status of the homestead.The questionnaires were designed in several aspects of the needs of rural housing loans,farmers' perceptions of policies,and surveys were conducted on 220 farmers in Tieling County using field surveys.The results of the questionnaires were collated and descriptive statistical analysis methods were used.We will further analyze the willingness and influencing factors of rural households' property rights mortgage in Tieling County.It was derived from this that: Farmers are willing to make 30% of the sample's total sample of mortgages.The age of the householder,the level of education,the type of concurrent employment,the shortage of funds in the past two years,and the loan procedures have a significant impact on the willingness of the farmers to pledge their mortgages.According to the influencing factors,it is proposed to popularize rural financial knowledge,raise farmers' policy awareness,increase policy support for financial institutions,and improve the countermeasures and suggestions for supporting mortgage loans for rural housing.