林权抵押、信贷配给与林农信贷可得性分析——基于静态博弈模型的视角  

The Forest Rights Mortgage,Credit Rationing and Credit Availability of Farmers——Based on Static Game Model

作　　者：金银亮[1,2] JIN Yin-liang(College of Economics and Management, Nanjing Forestry University, Nanjing Jiangsu 210037, China Talzhou College, Nanjing Normal University, Talzhou Jiangsu 225300, China)

机构地区：[1]南京林业大学经济管理学院,江苏南京210037 [2]南京师范大学泰州学院,江苏泰州225300

出　　处：《技术经济与管理研究》2017年第4期29-32,共4页Journal of Technical Economics & Management

基　　金：江苏省高校哲学社会科学研究项目(2015SJB106)

摘　　要：林权抵押政策被认为是改善林农信贷融资的有效手段,可以促进林农信贷可得性,从而促进林业经营效率提升,但实际上金融机构依然存在着较为严重的信贷配给现象。文章通过一个基于完全信息的静态博弈模型发现,即使无林权抵押政策,林农也能够获得贷款,但信贷配给模型指出,由于金融机构无法全面掌握林农经营的有效信息,为降低信息不对称导致的逆向选择和道德风险,采取信贷配给措施,以保障信贷安全;认为即使政府颁布了林权抵押相关政策,可能依然无法改善林农信贷可得性,建议成立林农信贷融资合作组织、设立信贷互助合作基金、政府分担抵押风险等,以改善林农信贷可得性。The forest rights mortgage policy is considered a effective method to improve the farmers＇ credit financing, can promote the farmers＇ credit availability, so as to promote the efficiency of forestry management, but the practice of financial institutions still exists a credit rationing phenomenon is more serious, through a complete information static game model based on that, even in the absence of forest the right of mortgage policy, farmers can get loans, but credit rationing model, because financial institutions can not fully grasp the effective information of forest management, in order to reduce the adverse selection and moral risk caused by information asymmetry, effective strategy is credit rationing, in order to protect the security of credit, even if the government promulgated the forest right mortgage related policies. May not be able to improve the availability of loans to farmers. Recommended the establishment of farmers＇ credit financing cooperation organization, and the government shares the business risk of bank, to improve farmers＇ credit availability.

关 键 词：林权抵押 信贷配给 林农信贷 信贷融资 

分 类 号：F832.4[经济管理—金融学]