福建省农户林权抵押贷款影响因素的实证分析

发布时间：2018-01-04 12:33

本文关键词：福建省农户林权抵押贷款影响因素的实证分析　出处：《福建农林大学》2014年硕士论文　论文类型：学位论文

【摘要】：林权抵押贷款是集体林权制度改革的产物,是推进林业筹融资发展的重要途径。福建省从2003年率先在永安市开展林权抵押贷款试点,并陆续在全省范围内推广。本文采用Logistic回归模型对福建省农户林权抵押贷款影响因素进行实证分析,找出影响农户林权抵押贷款的显著因素,最后提出对策建议,以期为福建省林权抵押贷款政策的实施、推广提供一定的支持。本文共由六个部分构成。第一部分为引言,简述了本文的研究背景、意义和主要的研究内容,交待本文运用的研究方法、技术路线以及本文的创新和不足,同时对农户林权抵押贷款相关的国内外研究现状进行阐述,包括农户决策行为、农户借贷行为和林权抵押贷款三个方面。第二部分阐述了与林权抵押贷款相关的理论,包括外部性理论、交易费用理论、融资理论、信用理论和行为经济学理论等五个理论。第三部分分析了林权抵押贷款的基本情况,包括林权抵押贷款开展的必要性和可行性、组成要件和特征分析、林权抵押贷款五种模式对比分析以及福建省林权抵押贷款现状。第四部分从户主个人特征、家庭特征、农户社会资本、农户林业生产规模与收入结构、林权抵押贷款成本以及森林经营保障等方面推测可能影响农户林权抵押贷款的因素并进行理论分析。第五部分说明了本文使用的农户林权抵押贷款影响因素的实证分析方法,包括列联表分析和Logistic分析；并基于福建省屏南、长泰、漳平、永安四地的实地问卷调查结果进行实证分析,得出显著影响因素。第六部分对研究结果进行归纳总结,并提出建议。结果显示：运用列联表分析可以得出户主年龄、家庭规模、家庭劳动力数量、长期外出打工人数、家庭林地块数、家庭林地面积、户主是否有外出打工经历、是否有人(曾)担任村干部、是否获得过信用贷款等9个变量与农户是否想申请林权抵押贷款相关；运用Logistic回归模型对上述9个变量进行分析可以得出家庭林地面积和是否获得过信用贷款2个变量是农户申请林权抵押贷款的显著影响因素。根据研究结果,本文提出加大宣传力度,并对农户加强教育和培训；政府加大扶持力度,降低农户贷款成本；完善林权交易流转平台；健全森林保险机制等建议。
[Abstract]:Forest right mortgage loan is a product of the reform of collective forest right system, is an important way to promote the development of forestry financing in Fujian province. From 2003 the first in Yongan city to carry out forest right mortgage loan pilot, and gradually extended in the province. This paper uses Logistic regression model empirical analysis of Fujian Province farmers forest right mortgage loan factors obviously, to find out the influencing factors of farmers' forest right mortgage loan, and finally puts forward some countermeasures and suggestions, in order to implement the Fujian province foresttenure mortgage policy promotion, provide some support.
This paper consists of six parts. The first part is the introduction, summarizes the research background, significance and main research contents, research methods used in this paper, the technical route and the innovation and deficiencies, also related to farmers of the forest right mortgage loan research status at home and abroad are described, including the farmers' decision-making behavior. Three aspects of the borrowing behavior of rural households and forest right mortgage loan. The second part elaborates the relevant theory and the forest right mortgage loan, including the externality theory, transaction cost theory, financing theory, credit theory and behavioral economics theory of five theories. The third part analyzes the basic situation of the forest right mortgage loan, including forest right the necessity and feasibility of carrying out the mortgage, the composition analysis of elements and features of forest right mortgage loan five modes and comparative analysis of Fujian province forest right mortgage loan status. The fourth part from the family The main characteristics of the family, individual characteristics, farmers' social capital, farmers' forestry production scale and income structure, in terms of forest right mortgage loan cost and guarantee that forest management may influence farmers' forest right mortgage loan factors and theoretical analysis. The fifth part explains the analysis method of factors influence farmers of forest right mortgage loan to use in the article. Including the column analysis and Logistic analysis table; and based on the Fujian Province, Pingnan, Changtai, Zhangping, Yongan four field survey results of empirical analysis, the significant factors. The sixth part summarizes the research results, and put forward some suggestions.
The results showed that: the use of the column can be obtained by the analysis of household age, family size table, the number of family labor, long the number of migrant workers, the number of family family forest land, forest land area, head of the household is migrant workers have experience, whether anyone (who) as village cadres, whether won the credit of 9 variables and farmers want to apply for the forest right mortgage related; using Logistic regression model of these 9 variables can be obtained by the analysis of family forest area and won the credit of 2 variables is significantly affected farmers in the forest right mortgage loan application factors. According to the research results, this paper proposes to increase publicity efforts and strengthen the education and training of farmers; increase the support of the government, reduce the cost of loans to farmers; improve the forest right transfer platform; proposals to perfect the forest insurance mechanism.

【学位授予单位】：福建农林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F326.2;F832.4

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