以浙江省庆元县2010—2013年林权抵押贷款数据为基础,结合实地调查,重点分析了庆元县2010—2013年4年间林权抵押贷款数量变化,金融机构的性质、参与度及贷款数据结构;农户贷款用途、年龄等个人特征对抵押贷款行为的影响。结果表明:林权抵押贷款的主要参与金融机构以政策性金融为主,参与信贷行为农户的年龄集中在35~55岁之间、贷款的用途对林农的信贷行为产生显著影响。
Based on forest right mortgage related data of Qingyuan in Zhejiang province from 2010 to 2013 and combined with field investigation,this paper analyzed the loan quantity change in four years,the nature of the financial institution’s,the degree of financial institutions participation and data structure of the loan,the selection of different forms of mortgage loan,the farmers’ personal characteristics.The research showed that the mainly involved financial institution is given priority to the finance with policy support,the age of farmers participated in loan behavior is between 35 and 55 years old,the uses of the loans have a significant impact on forest farmers’ behavior for loans.Suggestions are made to further promote lending practices.
[1]陈荣高.坚持从丽水山区实际出发推进金融 林改合力兴“三农”[J].浙江林业,2009(6):10-11.
[2]韩立达,王静,李华.中国林权抵押贷款制度中的问题及对策研究[J].林业经济问题,2009.29(3):197-198.
[3]夏云娇,赵国威.林权抵押贷款的法律问题探析[J].理论月刊,2009(9):123-125.
[4]陈玲芳,金德凌.信息不对称与林业信贷融问题[J].林业经济问题,2005,25(6):352-354.
[5]肖建中.林权制度改革与抵押贷款的政策分析——以浙江省丽水市为例[J].农业经济问题,2009(10):79-83.
[6]李莉,黄和亮,吴秀娟.林权抵押贷款借贷双方的行为分析——以福建省永安市为例[J].林业经济问题,2008.28(1):81-85.
[7]陆燕元,潘立,马焕成.林权抵押贷款的金融风险生成机理与防范策略[J].林业经济,2014(1):33-35.
[8]石道金,许宇鹏,高鑫.农户林权抵押贷款行为及影响因素分析——来自浙江丽水的样本农户数据[J].林业科学,2011,47(8):159-167.
[9]曾维忠,蔡昕.借贷需求视角下的农户林权抵押贷款意愿分析——基于四川省宜宾市364个农户的调查[J].农业经济问题,2011(9):25-30.
[10]韩国康.浙江省森林资源资产抵押贷款研究[J].林业经济2010(4):31-36.
[11]方陆明,徐爱俊,楼雄伟.林权一卡通系统研究和实践[M].北京:中国水利水电出版社,2013:172-203.
[12]夏瑞满,姚月华,朱惠芳,等.庆元县林权抵押贷款的问题与探讨[J].浙江林业科技,2013,33(3):90-93.
[13]黄建兴,毛小荣,李扬.浙江省林权抵押贷款案例研究[J].林业经济,2009(4):10-14.
