关键词: 农村产权抵押贷款, 分位数回归, 农户收入

Abstract: [Objective] The aim of this study is to explore the influence of the west rural property mortgage program on the farmers' income. [Method] Using the quantile regression method,this paper analyzed the influence of the west rural property mortgage program on the income of families at different income level. [Results] The west rural property mortgage program has evident positive influence on the middle income and low-income families,and the influence decreased with the growth of family income.Furthermore,this paper compared the influence of the rural property mortgage program on the families of different quintiles of agricultural and nonagricultural,which indicated that nonagricultural families benefit more from the west rural property program than agricultural families. [Conclusion] This study is useful for the families of different types and different income levels to increase the cash income in the west of China.

Key words: rural property mortgage, quantile regression, farmer's income