公益林补偿收益权质押贷款对异质性农户借贷行为影响研究  

The Impact of Income Right Pledge Loans for Public Welfare Forest Compensation on Borrowing Behavior of Heterogeneous Farmer Households

作　　者：孔令勇 王恩慧 王晓丽 石道金[1,2] KONG Lingyong;WANG Enhui;WANG Xiaoli;SHI Daojin(College of Economics and Management,Zhejiang Agriculture and Forestry University,Hangzhou 311300;Institute of Accounting,Zhejiang Agriculture and Forestry University,Hangzhou 311300)

机构地区：[1]浙江农林大学经济管理学院,杭州311300 [2]浙江农林大学会计学研究所,杭州311300

出　　处：《林业经济》2023年第4期80-96,共17页Forestry Economics

基　　金：2018年浙江省高校重大人文社会科学攻关计划项目“公益林补偿收益权定价机制及质押贷款需求行为研究”(编号:2018GH034)。

摘　　要：公益林补偿收益权质押贷款进一步拓宽了农户融资渠道,而农户对相关政策的响应程度不同,使借贷行为产生差异。文章基于浙江省12个县(市)的实地调研数据,运用多项Logit模型分析公益林补偿收益权质押贷款政策对农户借贷行为的影响及其异质性。研究发现:(1)公益林补偿收益权质押贷款政策对农户选择正规金融借贷具有显著正向影响,对选择民间借贷具有显著负向影响。其中,农户对政策的了解程度每提高1%,其选择其他正规金融借贷的概率提升10.36%。(2)贷款政策对异质性农户借贷行为具有不同程度的影响,对低收入农户选择正规借贷具有显著正向影响,对中高收入农户无显著影响;对50岁以下农户选择农村信用社借贷具有显著负向影响,对50~60岁农户选择农村信用社借贷具有显著正向影响,对60岁以上农户无显著影响。(3)农户所在村庄是否有正规金融机构对农户选择其他正规金融借贷具有显著负向影响,正规金融覆盖率每增加1%,农户选择其他正规金融机构借贷的概率降低9.41%,选择农村信用社借贷的概率提升6.93%。政策启示:(1)加大公益林补偿收益权质押贷款政策的宣传力度;(2)相关政策应根据农户家庭收入、公益林面积和地区差异进行调整,为差异化、个性化的金融服务提供政策保障;(3)有效提高山区农村正规金融覆盖度,更好地发挥贷款政策的效用,以满足山区农户合理的借贷需求。The income right pledge loans for public welfare forest compensation expands the financing channels of farmers,but the different response degree of farmers to the loan policy leads to the difference in borrowing behavior.Based on the field research data of 12 counties(cities)in Zhejiang Province,this paper used multinomial Logit model to analyze the impact of public welfare forest compensation pledge loan policy on farmers'borrowing behavior and its heterogeneity.The findings were as follows:(1)The policy of income right pledge loans for public welfare forest compensation had a significantly positive impact on farmers'choice of formal financial loans,and a significantly negative impact on farmers'choice of private loans.Among them,every 1%increase of farmers'understanding of the policy,the probability of them choosing other formal financial loans would increase by 10.36%.(2)The policy had different degrees of influence on the borrowing behavior of heterogeneous farmers.The policy had a significantly positive impact on low-income farmers to choose formal lending,but had no significant impact on middle and high income farmers.The policy had a significantly negative impact on farmers under 50 years old choosing rural credit cooperatives to borrow,a significantly positive impact on farmers between 50 and 60 years old choosing rural credit cooperatives to borrow,but no significant impact on farmers over 60 years old.(3)Whether there was a formal financial institution in the village where farmers live had a significantly negative impact on farmers'choice of other formal financial institutions.When the formal financial coverage rate increased by 1%,the probability of farmers choosing to borrow from other formal financial institutions decreased by 9.41%,while the probability of farmers choosing to borrow from rural credit cooperatives increased by 6.93%.Policy implications:(1)Strengthen the publicity of the policy of pledging income right for public welfare forest compensation.(2)The pledge loan policy for income right o

关 键 词：公益林生态补偿 收益权质押贷款 农户借贷 借贷渠道 异质性农户 

分 类 号：F326.27[经济管理—产业经济] F832.43