The farmers' cognition is divided into the cognition of the new materials, the cognition of the old materials and the cognition of the combination of both from the perspective of cognition process. We construct the measurement index with cognitive biases and cognitive coordination. Using 1953 questionnaires from pilot areas countrywide, the paper analyzes farmers' cognitions. The research shows that farmers' awareness of the system is low, the feasibility cognition is large, farmers have some regular financial credit experience, and they have better experience and credit evaluation;farmers have a higher evaluation for the expected effect of the system, 33.30% of the samples are cognitive coordination, 20.20% in cognitive dissonance, and 46.5% in cognitive unrelated state. Further study shows that the cognitive content have a correlation, farmer's cognition lags behind the implementation of the system, and cognitive bias have path dependence.%从认知过程角度将农户土地经营权抵押贷款认知分成新素材认知、旧素材认知与新旧素材联结认知,结合认知偏差与认知协调构建农户土地经营权抵押贷款认知测度指标.利用全国多个试点区1953份农户问卷,对农户的认知进行测度,发现农户对制度的知晓程度较低、可行性认知偏差较大,农户具有一定的正规金融信贷经验,并具有较好的体验和信贷评价;农户对制度的预期效果评价较高,总体满意度较好,有33.3%的农户处于认知协调、20.2%的农户处于认知不协调、46.5%的农户处于认知无关状态.对测度结果进一步分析发现,农户认知内容之间存在关联性,认知滞后于制度变迁,认知偏差具有路径依赖性.
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