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农户在进行农地抵押贷款时存在丧失抵押物的可能性即失地风险,这一风险及其预期损失会影响农户的农地抵押贷款需求。本文利用江苏省试点区910户农户的调研数据实证检验了抵押风险对农地抵押贷款需求的影响,结果表明:户主年龄、风险偏好以及农户家庭兼业程度这三个与农地抵押风险相关的变量对农地抵押贷款需求均具有显著影响,抵押风险是影响农户农地抵押贷款参与决策的重要因素。同时,农户生产规模以及农地抵押价值对农户的农地抵押需求也具有显著的正向影响。因此,为了推进农地抵押工作稳妥健康发展,应完善现有农村养老保障制度、发展农业保险并建立失地农民公积金等为农户提供外部风险补偿,缓解农地抵押风险。
There is a risk of land loss due to the loss of collateral to farmers when making farmland mortgage loans. This risk and its expected loss will affect the demand of farmers for farmland mortgage loan. In this paper, we use the survey data of 910 households in the pilot area of Jiangsu Province to test the impact of the mortgage risk on the demand for agricultural land mortgage loans. The results show that: the age of the head of household, risk preference and the degree of rural households’ Variables have a significant impact on the demand for agricultural land mortgage loans, and mortgage risk is an important factor that affects the decision-making of rural households’ mortgage loans. At the same time, the scale of farm households and the value of farmland mortgages also have a significant positive impact on the demand for rural farmland mortgages. Therefore, in order to promote the steady and healthy development of rural land mortgage work, we should improve existing rural old-age security system, develop agricultural insurance and establish land-lost peasants’ provident fund so as to provide external risk compensation to farmers and ease the risk of rural land mortgage.