林权抵押贷款信贷配给的产生机制、程度识别与路径优化  

The Generation Mechanism,Degree Recognition and Path Optimization of Credit Rationing of Forest Rights Mortgage Loans

作　　者：范刘珊 魏远竹[1,3] 王文烂[3] FAN Liushan;WEI Yuanzhu;WANG Wenlan(Research Center for Targeted Poverty Alleviation and Poverty Relapse Prevention,Ningde Normal University,Ningde 352100,China;College of Public Affairs,Fujian Jiangxia University,Fuzhou 350108,China;College of Economics and Management,Fujian Agriculture and Forestry University,Fuzhou 350002,China)

机构地区：[1]宁德师范学院精准扶贫与反返贫研究中心,福建宁德352100 [2]福建江夏学院公共事务学院,福州350002 [3]福建农林大学经济管理学院,福州350002

出　　处：《林业经济问题》2023年第3期290-298,共9页Issues of Forestry Economics

基　　金：福建省社会科学研究基地重大项目(闽社科规〔2020〕1号)、宁德师范学院2022年度开放研究课题科学基金资助项目(KF06)、福建江夏学院校级科学基金项目(00141128)。

摘　　要：在乡村振兴战略视野下,对集体林区福建省林权抵押贷款展开实地调研,采用DEM和描述性统计相结合的方法,深入诠释农户林权抵押贷款信贷配给类型和产生机制,进而对信贷配给展开识别与衡量。结果表明:农户因对林权抵押政策认知偏差、禀赋效应、交易费用高昂而面临新的需求型信贷配给;因信息不对称,林地流转市场具有薄市场约束,无法达到银行对林权抵押品的预期价值及抵押物难以有效处置导致信贷风险较高使得农户面临供给型信贷配给;农户林权抵押贷款需求型信贷配给较为严峻。为了实现集体林区福建省现代林业产业振兴,亟须强化制度创新、提高农户金融素养水平、实现多部门数据整合与信用信息共建共享、最大限度释缓集体林区农户需求型信贷配给的路径,以林业金融现代化助推乡村振兴。⑴Background——Under the background of rural revitalization strategy,the research on credit rationing of forest rights mortgage loans of the farmers in collective forest areas is not only the internal requirement of promoting the rural revitalization strategy,but also the basic need of realizing the increase of the farmers forestry management income in collective forest areas.⑵Methods——The research data came from a questionnaire survey of 420 rural households in Sanyuan District,Jiangle County,Jianning County and Taining County,Sanming City,Fujian Province,in August 2021.Using DEM and descriptive statistics,this paper interpreted the types and generation mechanism of credit rationing of the farmers forest rights mortgage loans,and then identified and measured the credit rationing.⑶Results——First,from the perspective of credit rationing of the farmers forest rights mortgage loans,the proportion of lack of credit demand for forest rights mortgage loans in collective forest areas in Fujian Province under the background of rural revitalization is relatively high,which is 50.82%.Second,the farmers facing demand-type credit rationing of forest rights mortgage loans account for 85.11%of the total credit rationing,while the farmers facing supply-type credit rationing of forest rights mortgage loans account for only 14.89%of the total credit rationing.The farmers in collective forest areas are faced with more severe credit rationing of forest rights mortgage loans.Third,demand-type credit rationing of forest rights mortgage loans mainly includes self-imposed credit rationing,transaction cost credit rationing and risk credit rationing.Fourth,most of the farmers who apply for forest rights mortgage loans from financial institutions can get corresponding loans,but the farmers in collective forest areas can get less amount of forest rights mortgage loans because of the small mortgage area of“Certificate of Forest Rights”.⑷Conclusions and Discussions——First,the farmers generate self-imposed credit rat

关 键 词：乡村振兴战略 农户 林权抵押贷款 信贷配给 

分 类 号：F326.23[经济管理—产业经济]