林业经济问题2023，Vol.43Issue(3)：290-298,9.DOI:10.16832/j.cnki.1005-9709.20230063
林权抵押贷款信贷配给的产生机制、程度识别与路径优化
The Generation Mechanism,Degree Recognition and Path Optimization of Credit Rationing of Forest Rights Mortgage Loans
摘要
Abstract
⑴ Background——Under the background of rural revitalization strategy,the research on credit rationing of forest rights mortgage loans of the farmers in collective forest areas is not only the internal requirement of pro-moting the rural revitalization strategy,but also the basic need of realizing the increase of the farmers'forestry management income in collective forest areas. ⑵ Methods——The research data came from a questionnaire survey of 420 rural households in Sanyuan District,Jiangle County,Jianning County and Taining County,Sanming City,Fujian Province,in August 2021.Using DEM and descriptive statistics,this paper interpreted the types and generation mechanism of credit rationing of the farmers'forest rights mortgage loans,and then identified and measured the credit rationing. ⑶ Results——First,from the perspective of credit rationing of the farmers'forest rights mortgage loans,the proportion of lack of credit demand for forest rights mortgage loans in collective forest areas in Fujian Province under the background of rural revitalization is relatively high,which is 50.82%.Second,the farmers facing de-mand-type credit rationing of forest rights mortgage loans account for 85.11%of the total credit rationing,while the farmers facing supply-type credit rationing of forest rights mortgage loans account for only 14.89%of the total credit rationing.The farmers in collective forest areas are faced with more severe credit rationing of forest rights mortgage loans.Third,demand-type credit rationing of forest rights mortgage loans mainly includes self-imposed credit rationing,transaction cost credit rationing and risk credit rationing.Fourth,most of the farmers who ap-ply for forest rights mortgage loans from financial institutions can get corresponding loans,but the farmers in col-lective forest areas can get less amount of forest rights mortgage loans because of the small mortgage area of"Certificate of Forest Rights". ⑷Conclusions and Discussions——First,the farmers generate self-imposed credit rationing because of the cognitive deviation of forest rights mortgage policies,form risk credit rationing because of the endowment effect of the forestlands,and face new transaction cost credit rationing because of high transaction costs.Sec-ond,the family management with pure forestry of the small farmers in collective forest areas is still the main type of forestry management in China.However,the degree of part-time employment of the forest farmers in collective forest areas is constantly increasing,there is a phenomenon of forestry management and non-forest employment,and the income comes more from non-forest employment.Third,the proportion of lack of credit demand for for-est rights mortgage loans in collective forest areas in Fujian Province under the background of rural revitalization is relatively high.Most of the farmers who have the credit demand for forest rights mortgage loans are still facing more severe demand-type credit rationing.Fourth,the supply-type credit rationing of forest rights mortgage loans faced by the farmers is relatively low.Therefore,in order to fully realize the policy effect of forest rights mort-gage loans from the perspective of rural revitalization,the following policy suggestions are put forward:First,improve the farmers'financial literacy through multiple channels.Second,achieve multi-department data inte-gration and credit information co-construction and sharing.Third,strengthen the institutional innovation,allevi-ate the demand-type credit rationing of forest rights mortgage loans of the farmers in collective forest areas to the maximum extent.关键词
乡村振兴战略/农户/林权抵押贷款/信贷配给Key words
rural revitalization strategy/farmer/forest rights mortgage loan/credit rationing分类
管理科学引用本文复制引用
范刘珊,魏远竹,王文烂..林权抵押贷款信贷配给的产生机制、程度识别与路径优化[J].林业经济问题,2023,43(3):290-298,9.基金项目
福建省社会科学研究基地重大项目(闽社科规[2020]1 号)、宁德师范学院 2022 年度开放研究课题科学基金资助项目(KF06)、福建江夏学院校级科学基金项目(00141128) （闽社科规[2020]1 号）
