林农小额林权抵押贷款需求影响因素分析——基于对福建

发布时间：2018-06-17 04:40

本文选题：小额林权抵押贷款 + 贷款需求　；参考：《西北林学院学报》2014年06期

【摘要】：小额林权抵押贷款对于盘活林农资金、促进林业生产具有重要意义。以福建省尤溪县和清流县、浙江省临安县、陕西省富县和西乡县的调研数据为基础,运用SPSS13.0统计分析软件构建多元回归模型,分析林农小额林权抵押贷款需求的影响因素。结果表明,林农小额林权抵押贷款需求与林农家庭年均收入、林地面积、贷款期限、贷款用途和是否参加了资产评估无关,与林农年龄、家庭主要收入来源呈显著负相关关系,与林农受教育程度、小额林权抵押贷款的贷款额度和是否参加了森林保险有显著正相关关系。据此,建议将小额林权抵押贷款的主要贷款对象定位于较年轻和家庭收入来源较单一的林农;金融机构要适当提高贷款额度,延长贷款期限,扩大贷款利用范围,以满足林农生产和生活的实际需要;增加森林保险险种,降低保险费用,提高保障水平,简化保险业务办理手续,积极推动森林保险业务的发展;重视林区的教育发展,提高林农的科学文化教育水平。
[Abstract]:The small forest right mortgage loan is of great significance to activate the fund of forest agriculture and promote forestry production. Based on the investigation data of Youxi County, Qingliu County, Lin'an County, Fuxian County and Xixiang County, Fujian Province, the multivariate regression model was constructed by using SPSS 13.0 software to analyze the influencing factors of forest farmers' demand for small forest rights mortgage loans. The results showed that the demand for small forest right mortgage loan was not related to the average income, the area of forest land, the loan term, the use of loan and the participation in the appraisal of assets, but was negatively correlated with the age of forest farmers and the main income sources of the family. There is a significant positive correlation between the amount of small forest right mortgage loan and forest insurance. Based on this, it is suggested that the main target of small forest right mortgage loan should be the forest farmers who are younger and have a single source of income, and that financial institutions should appropriately increase the loan amount, extend the loan term, and expand the scope of loan utilization. To meet the actual needs of forest farmers in production and living; to increase forest insurance coverage, to reduce insurance costs, to improve the level of insurance, to simplify the procedures for handling insurance business, and to actively promote the development of forest insurance business; and to attach importance to the development of education in forest areas, We will raise the level of science, culture and education of forest farmers.
【作者单位】：北京林业大学经济管理学院;河北工业职业技术学院;
【基金】：教育部人文社会科学研究青年基金项目(11YJCZH258) 中央高校基本科研业务费专项资金资助项目(RM2011-36)
【分类号】：F326.27;F832.43

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