农户住房财产权抵押意愿影响因素——以成都市温江区为例

发布时间：2018-04-17 06:38

本文选题：宅基地 + 使用权抵押　；参考：《农村经济》2016年03期

【摘要】：利用成都市温江区农户的问卷调查数据,建立Logistic模型,研究影响农户住房财产权抵押意愿的因素。结果表明:教育程度、从业类型、社保水平、拥有住房数量、抵押担保、财产价值评估方式等变量对农户住房财产权抵押意愿有显著正向影响;住房距中心城区距离、对住房财产权的认知、融资方式偏好、对贷款利率敏感度等变量对农户意愿有显著负向影响。为推动农户住房财产抵押提出政策建议:加大对金融机构的政策支持、创新住房财产权抵押担保体系、构建科学的农户住房价值评估体系、提高农村居民社会保障水平及在城郊地区先行试点等。
[Abstract]:Based on the questionnaire data of farmers in Wenjiang District of Chengdu City, a Logistic model was established to study the factors affecting the willingness of the farmers to mortgage their housing property rights.The results show that: educational level, employment type, social security level, the number of houses owned, mortgage guarantee, property value evaluation methods and other variables have a significant positive impact on the willingness of housing property rights mortgage;The cognition of housing property right, the preference of financing mode and the sensitivity to loan interest rate have a significant negative effect on farmers' willingness.In order to promote household housing property mortgage policy recommendations: to increase the policy support to financial institutions, to innovate the housing property rights mortgage guarantee system, to build a scientific evaluation system of household housing value.Improve the level of social security for rural residents and pilot projects in suburban areas.
【作者单位】：四川农业大学管理学院;四川省社会科学院;
【基金】：四川省2015年软科学项目“政策创新驱动我省农业新型经营主体培育研究”(编号:2015ZR0045) 四川省社会科学重大招标项目“四川农业产业转型升级战略研究”(编号:SC14ZD09) 四川省社会科学高水平研究团队“四川农村资源市场化研究”的研究成果
【分类号】：F301.3;F832.43

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