江西省农户林权抵押贷款意愿的影响因素研究

发布时间：2018-06-16 22:14

本文选题：林权抵押贷款 + 农户　；参考：《江西农业大学》2013年硕士论文

【摘要】：随着我国林权制度改革的不断推进和深化，林业要素市场得到迅猛发展，林农的积极性也不断激发，但阻碍林业产业发展的“融资难”问题一直比较突出，从而使得林农对资金的需求十分迫切。而林权抵押贷款的开展既能有效地解决了林农“融资难”问题又能为金融机构开辟一条新的业务领域，提升了金融机构的经营效益和服务水平。本文首先对江西省林权抵押贷款的现状进行了概况分析，对林权抵押贷款涉及到的构成要素和现有模式进行了简要介绍。通过分析和研究，发现江西省林权抵押贷款存在的问题主要有：林业要素市场不健全，，抵押资产流转难，森林保险推进缓慢，银行资产保全难，缺乏有资质的评估机构，林权价值评估难等问题。此外，林权抵押贷款供给主要是以政策性金融为主,贷款主要倾向于资金充裕和实力雄厚的林业企业及林业大户；毛竹林成为普通农户的主要抵押物,而以村为单位牵头组织规模化的抵押贷款可以一定程度解决融资成本过大的问题。其次，通过对江西省10个样本县500个农户的实地调查，实证分析了农户信贷需求和林权抵押贷款需求的影响因素，为此得出以下结论：户主年龄、林业收入占总收入的比重、家庭是否有人担任村干部以及是否有贴息贷款对农户信贷需求有显著影响；而户主年龄、户主受教育程度、林业收入占总收入比重、家庭林地面积、是否有贷款贴息和贷款用途是否受限制等因素会影响农户林权抵押贷款需求。
[Abstract]:With the continuous promotion and deepening of forest property right system reform in China, the forestry factor market has been developing rapidly, and the enthusiasm of forest farmers has been constantly stimulated, but the problem of "financing difficulty" which hinders the development of forestry industry has been prominent. As a result, forest farmers are in urgent need of capital. The development of forest right mortgage loan can not only effectively solve the problem of "financing difficulty" for forest farmers, but also open up a new business field for financial institutions, and improve the operating efficiency and service level of financial institutions. In this paper, the present situation of forest property mortgage loan in Jiangxi Province is analyzed, and the elements and existing models of forest right mortgage loan are briefly introduced in this paper. Through analysis and research, it is found that the main problems of forest property mortgage loan in Jiangxi Province are: the market of forestry elements is not perfect, the circulation of mortgage assets is difficult, the forest insurance is advancing slowly, the bank assets are difficult to preserve, and there is no qualified appraisal organization. It is difficult to evaluate the value of forest property. In addition, the supply of forest property mortgage loans is mainly based on policy finance, and loans mainly tend to forestry enterprises and large forestry enterprises with abundant funds and strong strength; bamboo forests have become the main collateral for ordinary peasant households. To some extent, the problem of excessive financing cost can be solved by taking the village as the unit leading the large-scale mortgage loan. Secondly, through the field investigation of 500 farmers in 10 sample counties of Jiangxi Province, this paper empirically analyzes the influencing factors of farmers' credit demand and forest right mortgage loan demand, and draws the following conclusions: the age of head of household, the proportion of forestry income to total income, The age of the head of household, the education level of the head of household, the proportion of forestry income to the total income, the area of the family forest land, the age of the head of household, the education level of the head of household, the proportion of forestry income to total income, the area of family forest land, Whether there is discount interest on loan and whether the use of loan is restricted will affect the demand of forest right mortgage loan.
【学位授予单位】：江西农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F326.2;F832.4

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