摘要
公益林收益权质押贷款是继林权抵押贷款后的林业金融创新工具,对融活公益林资源、拓宽林农融资渠道有重要意义。中国农村是一个传统的关系型社会,社会资本在林农公益林收益权质押贷款行为中具有信息传递和网络规范的作用。文章利用浙江省丽水市调研数据,采用Logistic和Tobit模型,以社会资本为切入点,探讨不同维度的社会资本对林农公益林收益权质押贷款行为的影响,意在破解林农融资难题,助推林业金融发展。研究结果表明:(1)社会资本对林农公益林收益权质押贷款行为有积极意义,其中社会资本达高性对林农获得公益林收益权质押贷款的机会和额度分别为0.56倍和3.65万元,社会资本强度对林农获得公益林收益权质押贷款的机会和额度分别为3.61倍和24.56万元;(2)社会资本质量相比其规模在林农公益林收益权质押贷款行为中作用更重要,对林农公益林收益权质押贷款获取机会和额度有显著正向影响;(3)公益林收益权质押贷款对林农融资有积极的作用。基于研究结果,文章提出4个方面的政策启示:(1)政府应当完善公益林收益权质押贷款制度并积极宣传推广;(2)金融机构可以适当降低林农抵押和质押物的要求,引导林农权益资产信用增级;(3)林农在社会资本积累中应当注重社会资本质量的累积;(4)做好失地林农的社会保障工作。
The pledge loan of income right of public welfare forest is an innovative tool of forestry finance after the mortgage loan of forest right,which is of great significance to activate the resources of public welfare forest and broaden the financing channels of forest rural household.At the same time,China’s rural areas are a traditional relational society,and social capital plays an important role in information transmission and network regulation in the behavior of pledge loan of forest rural household’s public welfare forest usufruct.Based on the survey data of Lishui Prefecture,this paper uses Logistic and Tobit models,and takes social capital as the cut-off point to explore the impact of different dimensions of social capital on the behavior of forest rural household’s public welfare forest usufruct pledge loan,in order to solve the financing problems of forest rural household and boost the development of forestry finance.The results show that:(1)Social capital has a positive effect on the behavior of forest rural household’s public welfare forest usufruct pledge loan.The opportunity and amount of social capital for forest rural household to obtain public welfare forest usufruct pledge loan are 0.56 times and 36500 yuan respectively,and the opportunity and amount of social capital intensity for forest rural household to obtain public welfare forest usufruct pledge loan are 3.61 times and 245600 yuan respectively.(2)The quality of social capital is more important than its scale in the behavior of forest rural household’s public welfare forest usufruct pledge loan,and has a significant positive impact on the access opportunity and amount of forest rural household’s public welfare forest usufruct pledge loan.(3)The pledge loan of public welfare forest income right has a positive effect on the financing of forest rural household.Based on the research results,this paper puts forward four pieces of policy enlightenment.(1)The government should improve the pledge loan system of public welfare forest usufruct and actively promote it.(2)Financial institutions can appropriately lower the requirements of forest rural household’s mortgage and pledge,and guide the credit enhancement of forest rural household’s equity assets.(3)Forest rural household should pay attention to the accumulation of social capital quality in the accumulation of social capital.(4)Do a good job in the social security work of land lost forest rural household.
作者
陈仑松
石道金
CHEN Lunsong;SHI Daojin(School of Economics and Management,Zhejiang Agriculture and Forestry University,Hangzhou 311330)
出处
《林业经济》
北大核心
2021年第5期5-16,31,共13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)。
关键词
社会资本
公益林收益权
质押贷款
林农行为
social capital
income right of public welfare forest
pledge loans
behavior of forest rural household
作者简介
陈仑松,研究方向:林业金融;通讯作者:石道金,研究方向:林业金融,林业会计。
