安徽省林权抵押贷款融资的问题研究

发布时间：2018-08-29 13:50

【摘要】：2003年以来,我国开始实施林权制度改革,各地区逐步开展试点活动,使林地产权逐渐明确。林权制度改革的重要内容是开展林权抵押贷款融资,这种新型的融资业务推动了银行融资的多元化,并将林地、林木的使用权作为抵押物,这进一步推动了森林资源的资产化。安徽省拥有面积广大的集体林区,在全国的地位十分重要,林业对安徽省的经济发展和社会进步具有十分重要的意义。大力推动林业经济发展,变革当前不合理的林权制度,对提高该省农村生态环境质量具有重要的作用,并且有助于确保林业经济持续稳定有序的发展;将林权进行抵押获取融资不但有助于改善林业农民的资金困境,还有可能成为破解林农扩大再生产的一个途径。本文在综合借鉴国内外相关研究成果的基础上,以安徽省为研究对象,以林业分类经营理论、产权理论、信息不对称理论、金融创新理论等相关理论为指导依据,首先运用实地调查法分析安徽省林权抵押贷款融资现状,再基于安徽省5市12个乡镇的调查数据,运用实证分析法,利用SPSS软件进行向后多元回归筛选,对影响安徽省林权抵押贷款融资可获得性的因素进行计量分析,综合找出存在的问题,最后从宏观、中观、微观层面有针对性的给出相应的对策建议。希望能通过实际调研增强本文研究结论的可靠性,给各地区关于林权抵押贷款融资的困境一些参考价值。第一章为引言,主要阐述了本研究课题的选题背景和研究意义,并对国内外研究成果进行综述,接着介绍了本文所用的研究内容与研究方法,以及存在的创新和不足之处。第二章为相关概念及基础理论,主要对本文中所涉及到的相关专业概念及所用的理论进行介绍,对林农、林权制度、林权抵押贷款融资的抵押物和林权抵押贷款融资的可获得性概念进行阐述。第三章为安徽省林权抵押贷款融资的开展情况。首先从理论上描述了国家实施林权制度改革以来的基本历程和改革取得的成效,再对安徽省林权抵押贷款融资的实施程序和模式以及目前存在的问题进行论述。第四章为肥东县林权抵押贷款融资的案例分析。本文采用实地调查法获取了安徽省肥东县内小范围地区的样本数据,了解了肥东县目前开展林权抵押贷款融资的现状及困境。第五章为安徽省林权抵押贷款融资的调查分析。基于前四章节的论述和铺垫,本章节扩大样本量到安徽省内5市12个乡镇,运用SPSS计量分析得出影响安徽省林农获得林权抵押贷款融资的主要因素,以及林农对于现行政策还有哪些需求。通过实地调研及深入基层了解安徽省林权抵押贷款融资目前亟待进一步解决和完善的问题,为接下来提出建议和对策指明方向。第六章是研究结论及对策建议。针对前面五个章节对安徽省林权抵押贷款融资的分析,从宏观、中观、微观三个层面对目前存在的问题提出对策建议。
[Abstract]:Since 2003, China has begun to implement the reform of forest tenure system, and pilot activities have been gradually carried out in various regions, so that the property rights of forest land are gradually clarified. The important content of the reform of forest property right system is to carry out the financing of forest right mortgage loan. This new financing business promotes the diversification of bank financing and takes the right to use forest land and trees as collateral, which further promotes the capitalization of forest resources. Anhui Province has a large area of collective forest area, the status of the country is very important, forestry for Anhui Province's economic development and social progress has a very important significance. Vigorously promoting the development of forestry economy and reforming the current unreasonable forest right system play an important role in improving the quality of rural ecological environment in this province, and help to ensure the sustainable, stable and orderly development of forestry economy. It is not only helpful to improve the financial predicament of forestry farmers to obtain financing by mortgage, but also may become a way to solve the expansion of reproduction of forest farmers. On the basis of synthetically drawing lessons from domestic and foreign related research results, this paper takes Anhui Province as the research object, takes forestry classification management theory, property right theory, information asymmetry theory, financial innovation theory and other related theories as the guidance basis. Based on the investigation data of 12 villages and towns in 5 cities of Anhui Province, the paper analyzes the financing status of forest property mortgage loan in Anhui Province by using the field investigation method, using the empirical analysis method and using SPSS software to carry out the backward multivariate regression screening. This paper makes econometric analysis on the factors affecting the availability of forest tenure mortgage loan in Anhui Province, and finds out the existing problems synthetically. Finally, the corresponding countermeasures and suggestions are given from the macro, meso and micro levels. It is hoped that the reliability of the conclusions of this paper can be enhanced by practical investigation, which will give some reference value to the dilemma of forest property mortgage financing in various regions. The first chapter is the introduction, which mainly describes the background and significance of this research topic, and summarizes the research results at home and abroad, and then introduces the research content and research methods used in this paper, as well as the existing innovations and shortcomings. The second chapter is the related concepts and basic theories. It mainly introduces the related professional concepts and the theories used in this paper. The concept of mortgage financing and the availability of forest mortgage financing are expounded. The third chapter is about the development of forestry right mortgage financing in Anhui province. Firstly, the paper describes the basic course and achievements of the forest property right system reform, and then discusses the implementation procedure and mode of the forest property right mortgage loan financing in Anhui Province and the existing problems. The fourth chapter is the case study of forest right mortgage financing in Feidong County. In this paper, the sampling data of small area in Feidong County of Anhui Province were obtained by field investigation, and the present situation and predicament of forest right mortgage financing in Feidong County were understood. The fifth chapter is the investigation and analysis of the financing of forest right mortgage loan in Anhui province. Based on the discussion of the first four chapters, this chapter expands the sample size to 12 villages and towns in 5 cities and towns in Anhui Province. Using SPSS econometric analysis, the main factors that affect the forest rights mortgage financing of forestry farmers in Anhui Province are obtained. And what are the needs of forest farmers for the current policy. Through on-the-spot investigation and in-depth understanding of Anhui Province forest tenure mortgage financing problems need to be solved and improved at present, for the following suggestions and countermeasures pointed out the direction. The sixth chapter is the research conclusion and the countermeasure suggestion. According to the previous five chapters of Anhui Province forest tenure mortgage financing analysis, from the macro, meso, micro three levels of the current problems put forward countermeasures and suggestions.
【学位授予单位】：安徽农业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F326.27;F832.43

【相似文献】