农业经营企业土地经营权抵押贷款演化路径与稳定策略-广东农业科学.PDFVIP

东农业科学 2014 年第 24 期 193 农业经营企业土地经营权抵押贷款 演化路径与稳定策略分析 刘 刚 肖璐熠 河北师范大学商学院袁 河北 石家庄 050024冤 要 允许银行以土地经营权作为抵押物向农业经营企业提供贷款袁可以较好地解决其生产经营资金不足的 问题遥 但当前由于诸多因素的限制袁农业经营企业以土地经营权抵押获得贷款十分困难遥 基于经济体有限理性的假 设袁构造农业经营企业与银行之间土地经营权抵押贷款的演化博弈模型袁分析和讨论不同情形下土地经营权抵押贷 款的演化路径与 定策略遥 在此基础上袁提出推进农业经营企业土地经营权抵押贷款的对策建议遥 关键词 农业经营企业曰 土地经营权曰 抵押贷款曰 演化博弈 中图分类号 F324 文献标识码 A 文章编号 1004-874X 2014冤24-0193-05 Analysis on evolution path and stable strategy on mortgage loan of land management right of agricultural enterprise LIU Gang 袁 XIAO Lu-yi (Bus iness Colle ge , He bei Normal Univ e rs ity , Shij iaz huang 050024, China) A bstract: It could solve the problem of sufficient funds in operation for the agricultural enterprise as the bank permits it to use its land management right as collateral for the loan. But it 爷s hard for agricultural enterprise to get a mortgage as a result of many factors now. Based on the assumption of bounded rationality , this paper constructed the evolutionary game model of mortgage loan between agricultural enterprise and bank, analyzed the two behav ior 爷s evolution path and stable strategy under different conditions. On this base, the paper put forward some suggestions to promote mortgage loan on land management right. Key words: agricultural enterprise; land management right; mortgage loan; evolutionary game 农业经营企业的集约化经营为城乡一体化提供了 的只是土地经营的预期收入袁是现金流而非不动产袁农 产业支撑袁是我国农业现代化基本推动力遥 但是袁当前 户的承包权并未随着流转和抵押而变化袁 因此不会损 农业经营企业尤其中小企业的生产经营普遍存在资金 害到农户土地承包权及其附属的各项权能袁 其生存权 不足与融资难的问题袁 与信息不对称相结合的抵押物 也不会受到太大的影响[1] 遥 另一方面袁伴随城乡一体化 匮乏极大限制了农业经营企业从银行获得贷款资