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本文以吉林省3个试点县市245个农户调查问卷为研究样本,通过Logistic回归模型分析土地收益保证贷款的需求影响因素。研究结果表明,土地收益保证贷款申请难易程度、土地收益保证贷款金额满足程度、耕地面积、是否具有非农专业技能、是否认可出现贷款逾期时土地将被暂时流转出去、能接受的贷款利率等6个因素对农户参与土地收益保证贷款的意愿有显著正相关;正规借款金额满足程度、所在村流转土地难易程度两个变量与农户参与土地收益保证贷款的意愿显著负相关。本文提出政策建议是推动土地收益评估,土地流转的中介服务和市场建设,加大财政支持力度,完善土地收益保证贷款配套平台建设,在相关利益主体间建立风险共担、利益共享机制。
In this paper, 245 pilot households in three pilot counties of Jilin Province questionnaire as a sample, through the Logistic regression model analysis of land revenue guarantee loans demand factors. The results show that the land yield guarantee loan application difficulty degree, the land yield guarantee loan amount satisfaction degree, the cultivated land area, whether has the non-agriculture specialized skill, whether to recognize the land loan which will be temporarily transferred out when the loan is overdue, the acceptable loan interest rate and so on There are significant positive correlations between the six factors and farmers’ willingness to participate in land revenue guaranteed loans. The two factors, the amount of formal borrowing, the ease of land transfer, are significantly and negatively related to the willingness of farmers to participate in land revenue guarantee loans. This paper puts forward the policy recommendations to promote the assessment of land revenue, intermediary services and market construction of land transfer, increase financial support, improve land revenue guarantee loan platform construction, and establish risk sharing and benefit sharing mechanism among stakeholders.