Farmer's Willingness on Rural Property Mortgage in Northwest China:On Survey of Shanxi,Ningxia 370 Farmer Households

According to the survey data of 370 farmers in China' s northwest Shaanxi Province and Ningxia Autonomous Region,this paper uses binary logistic model to research related factors influencing farmer's willingness on rural property right mortgage. Study finds that on the whole householder's education level,gender,family population,social relations,land area,per capita income all have significant positive impacts on farmer's mortgage willingness,while from the perspective of different land management scale,the influence and effect is different. Therefore,to improve the farmers' willingness on rural property rights mortgage,governments should encourage land transfer,support the appropriate scale of operation and strengthen the training of farmers,while financial institutions should learn affecting factors actively to create more appropriate financial products and services,implement them in different scale of land management,and enhance advertisement of property right mortgage.