金融发展评论

农地经营权抵押贷款是农户获得融资的重要途径，而金融机构参与意愿会直接影响这一贷款的实施效果。基于对579位金融机构客户经理的微观调研数据，研究分析了影响金融机构参与农地经营权抵押贷款的因素。结果表明，贷款人特征中的农业经营主体类型的现代化程度与金融机构的贷款意愿存在正向关联，土地经营规模、农业技能与金融机构的贷款意愿呈正相关，而贷款人年龄、文化程度和收入水平对放贷概率的影响并不显著；在配套机制方面，抵押品处置机制、农地产权评估机构和农地流转交易平台均对金融机构的贷款供给意愿产生积极影响。因此，建议加强新型农业经营主体的培育，提高农户的金融素养，规范农村产权流转市场，并完善农地经营权抵押贷款的风险补偿机制，以增强金融机构参与该贷款的意愿。

Agricultural land management right mortgage loan is an important way for farmers to obtain financing, and the willingness of financial institutions to participate directly affects the implementation of this loan. Based on the micro research data of 579 account managers of financial institutions, the study analyses the factors affecting the participation of financial institutions in agricultural land management right mortgage. The results show that the land operation scale and agricultural skills in the characteristics of lenders are positively correlated with the willingness of financial institutions to lend, and the modernisation degree of the type of agricultural business main body is positively correlated with the willingness of financial institutions to lend, whereas the influence of the age, education and income level of the lenders on the probability of lending is not significant; in terms of the supporting mechanisms, the agricultural land property right assessment agency, the agricultural land transfer trading platform and the collateral disposal In terms of supporting mechanisms, farmland property rights assessment agencies, farmland transfer trading platforms and collateral disposal mechanisms all positively affect the willingness of financial institutions to supply loans. Therefore, it is recommended to strengthen the cultivation of new agricultural business entities, improve the financial literacy of farmers, regulate the rural property rights transfer market, and improve the risk compensation mechanism for farmland management right mortgage loans to enhance the willingness of financial institutions to participate in this loan.