林业政策对林权抵押贷款信用风险影响的实证分析  

Empirical analysis of the impact of forestry policy on credit risk of forest right mortgage loan

作　　者：张兰花[1] 杨建州[2] 江家灿 

机构地区：[1]福建师范大学福清分校经济法律系,福建福清350300 [2]福建农林大学经济与管理学院,福建福州350002 [3]福建省闽侯县南屿镇林业工作站,福建闽侯350109

出　　处：《福建农林大学学报（哲学社会科学版）》2012年第5期36-40,共5页Journal of Fujian Agriculture and Forestry University(Philosophy and Social Sciences)

基　　金：福建省教育厅B类研究项目(JB1133S);福建师范大学福清分校社科研究项目(ky2011031)

摘　　要：以198份银行信贷员的调查资料为依据,通过建立多类别逻辑回归模型,分析林业政策对林权抵押贷款信用风险的影响。研究结果表明林权登记管理政策、限额采伐管理政策、林权交易管理政策对林权抵押贷款信用风险的影响显著,指出政府应通过健全我国林权登记管理政策与完善限额采伐管理政策和林权交易管理政策等,以进一步维护金融交易安全,推动林权抵押贷款持续开展。Based on the data of 198 valid questionnaires, which is from the loan officers of bank, through the establishment of the multiple logistic regression model, the impact of forestry policy on credit risk of mortgage loan of forest fight is analyzed. The results show that the registration management policy of forest fight, quota cutting policy of forests and transaction management policy of forest right have significant influence on the credit risk of mortgage loan of forest right. Accordingly it is proposed that by perfecting the registration management policy of forest right, quota cutting policy of forests and transaction management policy of forest right, the government should keep maintenance of financial transaction security and promote the sustainable development of mortgage loans of forest right.

关 键 词：林权抵押贷款 信用风险 林业政策 多类别逻辑回归 

分 类 号：F830.5[经济管理—金融学]