Analysis on the Supply Willingness of Mortgage Loan of Farmland Management Right under the Government-Led Mode in China Western’s Region

In this paper, the Probit model was established based on the survey data of 105 loan officers in China’s Western Region, and the factors influencing the willingness of mortgage loan supply of farmland management rights under the government-led model were investigated from the perspective of financial supply. The research shows that farmers’ income, farmers’ policy awareness, farmland scale, loan experience, risk compensation system, legal perfection and policy stability have a positive impact on the willingness of loan officers to issue mortgage loans for farmland management rights. Factors such as farmers’ age and education level have a negative impact on the willingness to supply. In addition, by comparing the stability of the regression model before and after the addition of risk compensation system, legal perfection degree and policy stability degree, it is concluded that the policy variables have a great influence on the decision-making of financial institutions.