孙美琳 于晟

摘要着眼于江苏省南京市试点区（高淳区）与非试点区，从家庭农场基本情况、家庭农场主贷款意愿及其影响因素3方面进行，通过问卷调查、访谈、实地考察等方式，结合Logistic模型分析进行实证检验，探讨家庭农场对农地经营权抵押贷款的意愿需求及其影响因素。结果表明，受教育程度、家庭农场的年毛收入水平、家庭农场的耕地面积、贷款利率、贷款期限以及其他贷款满足程度对于家庭农场农地经营权抵押贷款的意愿需求有着显著的影响。提出了相应的政策建议：政府要加大对农地经营权抵押贷款政策的宣传和普及力度，银行、农村合作社等金融机构要结合现阶段家庭农场的实际需求调整农地经营权贷款的利率和期限，同时要增加家庭农场主教育年限以及鼓励更多知识分子进入家庭农场的经营管理。

关键词家庭农场；农地经营权；抵押贷款；需求

中图分类号S-9文献标识码A文章编号0517-6611（2017）19-0246-04

Demand of the Family Farms for Agricultural Land Management Right Mortgage and Its Influence Factors—A Case Study of Gaochun District and Other Districts in Nanjing of Jiangsu Province

PANG Fanxiang，SUN Meilin，YU Sheng

（College of Finance，Nanjing Agricultural University，Nanjing，Jiangsu 210095）

AbstractTo study the family farmersdemand for agricultural land management rights mortgage and its influence factors，the research focused on fundamental information of family farms，the loan willingness of family farmers and factors of influence in the experimental region（Gaochun District）and other regions in Nanjing of Jiangsu Province.The survey was carried out by using questionnaire，interviews and field trips.It was demonstrated by using logistic regression models.The results of research showed that the level of education， the annual gross income level of family farm ， the area of family farm land， the loan interest rate， loan term and the degree of other loans satisfaction have a significant effect on the willingness of the farmers land management right mortgage.Moreover，we put forward some suggestions.Firstly， the government should strengthen promotion and popularization of farmland management policy.Also，banks， rural cooperative and other financial institutions should adjust loan interest rates and duration of farmland management right.At the same time，they should increase the number of year of the family farmer education and encourage more intellectuals to get into the management of family farm.

Key wordsFamily farm； Agricultural land management right；Mortgage loan；Demand

家庭农场作为现代农业经营组织的基础，是我国农业最主要的生产经营模式之一，同时也是我国未来农业经营的方向。从政策层面来看，近年来国家也在大力支持家庭农场的发展。2008年中共十七届三中全会、2013年中央一号文件以及2015年中央一号文件都有对重点发展规模适度的家庭农场方面都有着重披露。

然而，家庭农场融资难的问题长期存在，成为制约农村经济发展和农户增收致富的主要瓶颈，加快农村金融体系改革和创新迫在眉睫[1]。……