农村土地承包经营权抵押融资试点效果评价、运作模式与支持政策研究

近年来，农村土地承包经营权抵押担保融资（以下简称：农地抵押融资）试点发展较快，初步找到了一条农村金融“破冰”之路。本研究选取宁夏同心县、平罗县、陕西杨凌区、高陵县、河南信阳市、山东寿光市等试点地区为研究样本，运用问卷调查、德尔菲法、案例分析与Logit、Probit、匹配倍差估计模型等计量经济方法，实证测算东、中、西部试点地区农地抵押融资对不同类型农户农业收入、人均收入与户均收入增加的改善状况与影响因素；全面分析主办金融机构开展农地抵押融资业务的财务绩效与意愿，以及金融监管部门的偏好及态度；在量表评价法综合评价的基础上，揭示农地抵押融资“政府主导型”、“市场主导型”运作模式的差异性、效果成因及其外部条件；提出“所有权、承包权、经营权”三权分离背景下完善农地抵押融资试验的政策建议与对策，为真正实现农民农地抵押融资权能、构建符合客观实际的农地金融制度以及相关决策提供科学依据。

In recent years, the contracted management of farmland mortgage financing（Hereinafter referred to as: farmland mortgage finance）experiment pilot has been developed rapidly and a “break the ice” road for the rural finance has been found. This research project selects Tongxin County and Pingluo County of Ningxia Province, Yangling District, Gaoling County of Shaanxi Province, Xinyang City of Henan Province, Shouguang City of Shandong Province as samples and uses the questionnaire, Delphi method, case analysis and Logit, Probit, M-DID and other econometric methods to empirically measure how the eastern, central and western pilot areas of farmland mortgage finance improve the situation of different types of farmers' agricultural income, per capita income and household income and factors affecting them. This project makes a comprehensive analysis about the financial performance and the willingness of the financial institutions to carry out the farmland mortgage finance, and then analyzes the preferences and attitudes of the financial supervision and regulation department. Besides, on the basis of scale analysis method and comprehensive evaluation, this project reveals the differences, causes and external conditions about the two modes of operation about farmland mortgage finance, namely “government oriented” pattern and “market oriented” pattern. What’s more, this project puts forward the policy suggestions and macro countermeasures to perfect the farmland mortgage financing test under the background of separation of “Ownership, Consulting and Management” for the purpose of providing scientific basis for reference and the related decision to truly achieve farmers’ farmland mortgage financing right, build a farmland financial system in conformity with the objective reality.