集体林产权改革背景下家庭资源禀赋对林权抵押信贷需求的影响研究——基于辽宁省460户异质性林农的实证  

Study on the Influence of Family Resource Endowments on the Forest Right Mortgage Loan Demand under the Background of Collective Forest Property Right Reform——Based on the Survey Data of 460 Heterogeneous Peasants in Liaoning Province

作　　者：郭元圆 刘璨 刘浩 张婷婷 陈珂[1] Guo Yuanyuan;Liu Can;Liu Hao;Zhang Tingting;Chen Ke(College of Economics and Management,Shenyang Agricultural University,Shenyang 110866;China National Forestry and Grassland Economics and Development Research Center,Beijing 100714)

机构地区：[1]沈阳农业大学经济管理学院,沈阳110866 [2]国家林业和草原局经济发展研究中心,北京100714

出　　处：《林业经济》2020年第7期3-14,共12页Forestry Economics

基　　金：2019年国家林业和草原局经济发展研究中心重大调研项目“集体林区林权抵押政策模式、信贷约束与效果评价”(编号:ZDWT-2019-44)。

摘　　要：开展异质性农户林权抵押信贷需求研究对于把握农户金融需求新变化和探索差异化林权抵押信贷政策具有重要意义。文章基于辽宁省5县(市)460户林农的调研数据,从家庭资源禀赋视角出发,实证分析了人力资本、经济资本、社会资本与林地资源四类家庭资源禀赋对农户林权抵押信贷需求的影响,以及对异质性农户林权抵押信贷需求差异的影响,并根据集体林产权改革政策对家庭的影响程度对农户进行分组,研究了不同政策影响情况下异质性农户林权抵押信贷需求差异的变化情况。研究结果表明:家庭资源禀赋对异质性农户的林权抵押信贷需求存在不同程度的影响,其中经济资本与林地资源差异是导致异质性农户林权抵押信贷需求规模存在差距的主要影响因素;同时发现,在集体林权制度改革政策影响下,农户将调整家庭资源禀赋,转变生产投资方式,从而导致两类群体林权抵押信贷需求差异发生变化。为了提高信贷的可得性,应优化农村金融制度改革,着力增强林权抵押信贷支持的供给能力;对传统型农户、新型林业经营主体实施差异化的林权抵押信贷政策。文章的研究成果丰富了异质性农户林权抵押信贷需求领域的研究,既有助于对农户的信贷需求程度做出科学的评价,又对下一阶段农村金融的供给侧结构性改革具有重要的参考意义。Carrying out research on heterogeneous peasant household demand for the forest right mortgage loan is useful for grasping the new changes of farmers’ financial demand and exploring differential forest right mortgage loan policy. Based on the survey data of 460 forest farmers in 5 counties(cities) of Liaoning Province, from the perspective of family resource endowment, this paper empirically analyzed the impact of human capital, economic capital, social capital and forestland resources on farmers’ demand for forest right mortgage loan. According to the impact of collective forest property right reform policy on families, farmers were divided into groups, and the changes of heterogeneous peasants’ demand for forest right mortgage loan under different policy effects were studied. The results showed that: family resource endowment has different degrees of impact on heterogeneous peasants’ demand for forest right mortgage loan. Economic capital and forestland resources are the main influencing factor leading to the gap in the scale of demand for the forest right mortgage loan of heterogeneous peasants. In addition, under the difference influence of collective forest property right reform policy, peasants begin to adjust the family endowment and transform the mode of production investment. This transform lead to the forest right mortgage loan demand increasing. In order to improve the availability of loan, we should optimize the reform of rural financial system, strengthen the supply capacity of forest right mortgage loan support, and implement differentiated forest right mortgage loan policy for traditional farmers and new forestry operators. The research results of this paper could enrich the research on heterogeneous peasants’ forest right mortgage loan demand, which not only helps to make a scientific evaluation of farmers’ loan demand, but also has important reference significance for the supply-side structural reform of rural finance in the future.

关 键 词：集体林权制度改革 异质性农户 家庭资源禀赋 林权抵押信贷需求 

分 类 号：F326.22[经济管理—产业经济] F326.29