农户参与农房抵押贷款意愿的研究——基于山东、安徽228户农户的调查.pdfVIP

湖南农业科学 (HUNANAG阳C旺，TURAL SCIENCES ) 2016 , (3): 112-114 , 119 001: 10. 16498/j.cnki.hnnykx.2016.03.032 农户参与农房抵押贷款意愿的研究 一一基于山东、安徽228 户农户的调查 徐晶 (南京农业大学公共管理学院，江苏南京 210095 ) 摘 要:通过对山东省雄坊市、安徽省安庆市的228 户农户进行实地问卷调查，研究并分析了农户对农房抵押贷款的参与意愿及相关原因。研 究结果表明:农户对于农房抵押贷款具有一定参与意愿，不同地区农户参与意愿有着较为明显的差异，被调查农户中海坊市农户参与意愿高于 安庆市农户;对农房生活保障功能的依赖是阻碍农户参与的主要原因;金融机构的正规性、自身的偿还能力以及政策细节与稳定性是农户在选 择参与农房抵押贷款时所关注的主要方面;在政策期望方面，简化抵押贷款的手续步骤、加大政策宣传、降低贷款利息等得到较高关注。 关键询:农房抵押;农户意愿;相关原因;激坊市;安庆市;调研 中固分类号: F301 文献标iR码:A 文章编号: 1006-060X (2016) 03-0112-03 Fam四rs Willingness to Participate in Rural Housing Mortgage Loans ßased on Questionnaire Survey of 228 Households from Shandong and Anhui XU Jíng ( College 01Public Administrω， ion， Nanjing Agricultural University , Nanjing 21ω95， PRC) Abstract: Based on 也e field survey of 228 fanners 企om Weifang city in Shandong province and Anqing city in Anhui province , the study explored farmers wi Ilingness to participate in rural housing mortgage loans and the relevant reasons. The results showed that there were a certain number of farmers who were willing to participate in rural housing mortgage loans. The willingness of fanners 告。m different regions had obvious differences, and farmers in Weifang city were more willing to participate in rural housing mortgage 10缸15 than those in Anqing city. Dependence on 由e life security function of rural housing was the main reason hindering fanners participation. Apart from that, the normality of tìnancial institutions, fanners abilities to repay, as we lI as policy details and stability were the main aspects that farmers were concemed about. Whats more , simplifying the procedures of mortgage loans , increasing policy advocacy and reducing loan inter，创t rates had drawn hi前atte