摘要
基于双变量Probit模型从需求和供给两个角度对浙江省丽水市公益林补偿收益权质押贷款试点地区255个林农的贷款可得性、内在联系及影响因素进行研究。结果表明:60.39%的林农对公益林补偿收益权质押贷款有需求,11.76%的林农成功获得贷款;丽水试验区公益林补偿收益权质押贷款存在供给范围较窄、公益林小户和大额资金需求得不到有效满足等问题;户主受教育程度、家庭人口负担、公益林面积、贷款期限是影响林农收益权质押贷款需求决策的因素;在需求约束下,年龄小、受教育程度高、公益林面积大、优质存量客户的贷款可得性更高,并且公益林补偿收益权质押贷款的可得性更依赖于林农家庭经济状况。
⑴Background——The existing researches mainly focus on the qualitative analysis of the pledge loans without quantitative empirical analysis.As a financial innovation of forestry products,the research on the availability of public welfare forest compensation and usufruct pledge loan is of great significance.⑵Methods——Based on the survey data of 255 forest farmers in Lishui City,from the perspective of demand and supply,the factors influencing the availability of the public welfare forest compensation and usufruct pledge loan are studied by using the bivariate Probit model.⑶Results——First of all,the statistical results show that among the 255 sample farmers,154 households have potential demand for the public welfare forest compensation and usufruct pledge loan,accounting for 60.39%of the total number of sample households.However,only 30 households actually obtain the public welfare forest compensation and usufruct pledge loan,accounting for 11.76%of the total number of samples.And only 19.48%of the forest farmers who have the demand of public welfare forest compensation and usufruct pledge loan have got loans,which is a narrow coverage.Secondly,from the perspective of the supply and demand structure of the public welfare forest compensation and usufruct pledge loan,the demand of public welfare forest for small households is the lowest,which is 48.18%.And the demand of public welfare forest for middle households is the second,52.94%.Besides,the demand of public welfare forest for large households is relatively high,more than 70%.Among the forest farmers who have loan demand,7.55%of the households get loans and 18.52%of the middle households get it,too.In addition,30.51%of the large households received loans and 20%of the super large households get it.At the same time,less than 30%of forest farmers have demand for small amounts of funds,and more than 70%of forest farmers have demand for large amounts.Among forest farmers with loan demand,more than 65%of them receive small funds,20.37%of them receive medium amount of funds,and 8.89%of them receive large amounts of funds.Finally,the demand and availability of forest farmers usufruct pledge loans are different in the three aspects:the characteristics of the households,the characteristics of the family and the characteristics of the loan.⑷Conclusions and Discussions——In general,to some extent,the demand for public welfare forest compensation and usufruct pledge loan in the Lishui experimental area has been satisfied and the policy has got primary results.However,there are still some problems in the public welfare forest compensation and usufruct pledge loan.Therefore,based on the research results of demand and supply,scientific and reasonable policies of public welfare forest compensation income pledge loan should be made to keep a balance between internal and external supply and demand.From the perspectives of financial institutions,government departments and forest farmers,the following recommendations are proposed:First of all,the financial institutions combine the supply and demand structure to optimize the mode of loan supply.Second,the government should play a guiding and supporting role to promote the sustainable development of loans.Finally,forest farmers should pay attention to their own construction and strengthen cooperation to improve the availability of loans.
作者
朱楠
张媛
王晓丽
石道金
ZHU Nan;ZHANG Yuan;WANG Xiaoli;SHI Daojin(College of Economics and Management,Zhejiang A&F University,Hangzhou 311300 China;Planning and Design Institute of Forest Products Industry,National Forestry and Grassland Administration,Beijing 100010 China;Business School,Jiyang College of Zhejiang A&F University,Zhuji,Zhejiang 311800 China)
出处
《林业经济问题》
北大核心
2020年第2期165-172,共8页
Issues of Forestry Economics
基金
2018年浙江省高校重大人文社科攻关计划(2018GH034)
关键词
公益林
补偿收益权
质押贷款
贷款可得性
public welfare forest
compensation income right
pledge loan
loan behavior
作者简介
朱楠(1994-),女,江苏徐州人,硕士研究生,从事林业政策与金融方面的研究,(E-mail)1739514177@qq.com;通讯作者:石道金(1963-),男,浙江宁海人,教授,硕士生导师,博士,从事林业金融、林业会计方面的研究,(E-mail)sdj@zafu.edu.cn。
