差序政策信任：农地金融扶贫贷款“冷遇”经验解释
Conflicting Policy Trust: Explanation of “Cold Affection” of Farmland Mortgage——Based on 4025 Survey Samples of Rural Areas in 9 Provinces

加快农地金融供给侧结构性改革是农村金融改革的当务之急。通过对4 025户农户调查分析,发现当前推广试点的农地产权抵押贷款政策业务受到“冷遇”，通过政策效果全面综合评估和影响因素实证分析得出：农地产权抵押贷款试点政策效果综合有效，南北存在比较性的区域差异，江西等中南部地区规模有效，宁夏等西北地区技术有效；江西明显存在经济有效显著、社会效果不够和生态效果存疑的问题，政策改进空间明显存在；农户、金融机构和基层政府对农地产权抵押贷款试点政策的信任程度存在明显差异，其中基层政府盲目信任，且对该政策普惠金融的扶贫功能理解不够，贷款机构对该政策明显信任不够，呈现普遍的惜贷心理，农户遭遇“贷款尴尬”，信任彷徨，多贷困难，微贷不屑。为此，应加快农地金融供给侧结构性改革，完善制度，优化政策执行效果；制订切合各地农村实际环境差异化的农地产权抵押贷款政策，以增强农地金融普惠扶贫决策的整合效果。
To accelerate reform of the farmland financial supply side structural policy system optimization is the top priority of the rural financial reform. Rural households field questionnaire survey found that current promotion pilot of agricultural property mortgage loan policy suffered the “cold shoulder” experience, and the analysis on the survey found that agricultural property mortgage loan pilot policy had significant effect on the economy in Jiangxi, which still had space for improvement. Loan institutions obviously lack enough trust on the policy, leading in general reluctance to lending, and farmers suffered “loan embarrassing”, trust loss, more loan difficulty and loan disdain. Therefore, it is suggested that the mortgage policy for rural land property rights should be implemented according to different local conditions, so as to enhance the useful decisions of CPC Central Committee on financial benefits of farmland consolidation results.