Study On Farmers’ Satisfaction Of Rural Land Contracted Management Right Mortgage In Shandong Province

Agricultural rural peasant problem is the fundamental problem of the relationship between the livelihood of the nation.In recent years,the state has deepened the reform of agricultural system,developed the rural economy,put forward a series of policies to promote the innovation of financial products against the difficulties of farmers ’ financing,under this background,the mortgage financing of rural land contractual right is proposed,and the pilot work is carried out in some parts of the country.In order to understand the pilot situation of the mortgage financing of the rural land contracted right,further promote the innovation and development of the mortgage loan mode of the rural land contract management right,in order to play a more important role in promoting the development of "agriculture rural and peasant ",this paper probes into the farmers’ satisfaction of rural land contractual management right mortgage loan in the pilot areas of Shandong Province.Based on the relevant theories of rural land property right,rural land mortgage financing,customer satisfaction and so on,this paper studies the satisfaction of the rural land contractual management right mortgage from the perspective of farmers participating in the loan.Based on the status of mortgage loan of rural land contractual right in the pilot area of Shandong Province,this paper analyzes the innovative exploration,promotion mode and achievements of the Government and banking institutions in view of the mortgage loan of rural land contractual right,and emphatically analyzes the problems existing in the mortgage loan of rural land contract management.Through selecting farmers from two counties in the pilot area to conduct a field survey of the way,by using structural equation model to analyze the satisfaction and influencing factors of rural land contractual management right mortgage loan,the paper obtains the overall satisfaction of peasant households to the rural land contracted management right,in which,the degree of satisfaction of loan funds,the loan interest level,the improvement of living standard and the attitude of staff service are the main factors that affect satisfaction,meanwhile,the reasonable degree of loan maturity and the expectation of applying loan to meet the demand of funds also have certain influence on farmers ’ satisfaction.Finally,according to the conclusion of the empirical study,combined with the present situation of the mortgage loan practice of rural land contract management,the paper puts forward relevant policy suggestions,including the transformation of farmers ’ production and management mode,develop multiple forms of moderate scale operations;financial institutions to strengthen innovative research and development,provide a variety of of credit products,the Government to improve the policy support system,do a good job of supporting services and other measures.