乡村振兴战略背景下农村宅基地抵押调查研究

农村宅基地抵押贷款对于乡村振兴战略,发展农业规模经济,促进农民增收有着重要意义。针对农村宅基地抵押的影响因素,文章以重庆市巴南区6个镇700户农户调查数据为依据,结合政府和金融机构调查,采用因子分析法,从农户的受教育程度、宅基地面积、房屋结构、房屋建筑年龄、宅基地闲置情况、公共服务水平、抵押政策宣传情况、政府行为等方面构建8项指标,对抵押的影响因素进行了系统的分析。研究结果表明:宅基地自身属性因子、抵押政策实施行为因子和社会服务影响因子累积贡献方差贡献率达到71. 872,是影响农村宅基地的3个关键因素;其中,闲置情况、建造年龄、房屋结构等宅基地自身属性因子影响最为显著;抵押政策实施行为因子对宅基地抵押的影响较为显著;社会服务影响因子是影响农村宅基地抵押的潜在因素之一。鉴于此,提出建立信息数据库,建立评估机制,完善社会保障制度等建议,为开展抵押工作提供实践指导。

Research on Mortgage of Rural Homestead under the Background of Rural Revitalization Strategy

The mortgage loan of rural homestead is of great significance to rural revitalization strategy, development of rural scale economy and promotion of farmer''s income growth.According to the influencing factors of rural homestead mortgage, based on the basis of survey data of 700 rural households of 6 towns in Banan District of Chongqing, this paper combines the survey of government and financial agencies, uses factor analysis method, takes such eight indicators as education level of farmers, homestead area, house structure, house construction time, the idle situation of the homestead, public service level, situation of mortgage policy propaganda, government behavior and systematically analyzes the influencing factors of the mortgage.Research results show that the cumulative variance contribution rate of the homestead self-attributive factor, mortgage policy implementation behavior factor and social service impact factor reaches 71.782, which are three key factors affecting rural homestead, among which the impact of homestead self-attribute factor such as idle situation, construction time and house structure is most significant, the influence of mortgage policy implementation behavior factor on homestead mortgage is more significant, and social service factor is one of the potential factors affecting rural homestead mortgage.On the basis of that, the paper proposes to set up information database, establish evaluation mechanism, perfect social security system and so on in order to provide the guidance for the practice in the mortgage work.