国有林区职工家庭发展林下经济金融需求的调查研究  

Investigation on Worker Households' Financial Demands of Developing Under-forest Economy in National Forest Areas

作　　者：朱洪革[1] 胡士磊[1] 舒晏丹 

机构地区：[1]东北林业大学林下经济资源研发与利用协同创新中心,哈尔滨150040 [2]中国人民大学农业与农村发展学院,北京100872

出　　处：《林业经济问题》2015年第3期217-219,241,共4页Issues of Forestry Economics

基　　金：黑龙江省哲学社会科学研究规划项目(14B125);教育部人文社会科学研究规划基金项目(12YJA790218);黑龙江省博士后科研启动资助项目(LBH-Q12170)

摘　　要：对黑龙江省国有林区9个林业局372个职工家庭进行实地调研的结果表明:自有资金是大多数职工家庭从事林下经营的资金来源;绝大多数家庭采取的贷款担保形式为联户担保,且多数贷款次数少,贷款过程较顺畅;职工家庭的贷款需求主要为生产性贷款需求,他们期望额度较小、期限适中的银行贷款,也需要信用(贷款)担保,然而信用担保状况不令人满意。在此基础上提出了加大财税扶持力度;加大金融扶持力度;引导社会资本投资林下经济,形成多元化投入机制等政策建议。372 worker households of 9 forestry bureaus in National Forest Areas of Heilongjiang Province are investigated. The results show that own funds is the main capital source of most worker house- holds engaged in the management of under-forest economy. The loan guarantee form of most worker households is guarantee group, and the number of loan is few, loan process is relatively smooth. The loan demands of worker households are mainly productive loan demand, they expect medium term micro-credit, need credit （loans） guarantee, however, the current situation of credit guarantee is unsatisfactory. Based on all this, some policy suggestions are given, such as increasing fiscal and taxa- tion support, increasing financial support and guiding social capital investment in under-forest economy to form a diversified investment mechanism.

关 键 词：国有林区 职工家庭 林下经济 金融需求 

分 类 号：F326.27[经济管理—产业经济]