林权抵押贷款制度环境、现实困境与治理路径——基于福建三明集体林权改革试验区的调研  

The System Environment,Realistic Dilemmas and Governance Paths of Forest Rights Mortgage Loans:Based on a Survey of Fujian Sanming Collective Forest Rights Reform Pilot Area

作　　者：范刘珊 魏远竹[1,3] 王文烂[3] FAN Liu-shan;WEI Yuan-zhu;WANG Wen-lan(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 Universit,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,福建福州350108 [3]福建农林大学经济与管理学院,福建福州350002

出　　处：《福建江夏学院学报》2024年第2期9-17,共9页Journal of Fujian Jiangxia University

基　　金：福建省社会科学青年基金项目“林权抵押贷款金融联结的运行机理、模式及优化路径研究”(FJ2023C030);宁德师范学院精准扶贫与反返贫研究中心2022年度开放研究课题科学基金资助项目“乡村振兴视野下福建省农户林权抵押贷款信贷配给研究”(KF06);福建江夏学院校级科学基金项目“农户林权抵押贷款信贷配给及其福利效应研究”(00141128)。

摘　　要：在正式制度与非正式制度环境下,林权抵押贷款受人格化财产特性及其信贷交易特殊性的影响较大。基于福建三明集体林权改革试验区的调研显示,林权抵押贷款发展面临的现实困境主要源于禀赋效应和信息不对称,即禀赋效应抑制林权抵押贷款的信贷需求,信息不对称抑制林权抵押贷款的有效供给。应构建集体林区良好的普惠林业金融生态环境,着重发挥具有乡村权威的村干部“类金融中介”的比较优势,有效培育与挖掘林权抵押贷款的潜在需求,以缓解林权抵押贷款的禀赋效应和信息不对称问题,最大限度地提升林业金融配置效率,助推林区乡村振兴。Under both formal and informal institutional environments,forest rights mortgage loans are greatly influenced by the characteristics of personified property and the special nature of credit transactions.Based on a survey of Sanming collective forest rights reform pilot area in Fujian province,it is shown that the real difficulties in the development of forest rights mortgage loans are mainly due to the endowment effect and information asymmetry,that is,the endowment effect inhibits the credit demand for forest rights mortgage loans,and the information asymmetry inhibits the effective supply of forest rights mortgage loans.From the perspective of rural revitalization,a good ecological environment for inclusive forestry finance should be built in collective forest areas,focusing on the comparative advantage of village cadres with rural authority as"quasi-financial intermediaries",effectively cultivating and tapping the potential demand for forest right mortgages loans,so as to alleviate the endowment effect and information asymmetry of forest right mortgages loans,and maximize the efficiency of forestry financial allocation,thus promoting rural revitalization in forest areas.

关 键 词：林权抵押贷款 制度环境 非正式制度 禀赋效应 

分 类 号：F326.23[经济管理—产业经济]