沈阳市林权抵押贷款及其影响因素的调查研究

Investigation and Study on Forest Tenure Mortgage Loan and It’s Influencing Factors in Shenyang City

以沈阳市为例,利用对辽中、法库的农户调查数据,分析集体林权改革后农户利用林权抵押贷款的模式、资金使用去向、满意程度等,剖析了非贷款农户未参与抵押贷款的原因,对影响农户林权抵押贷款的因素进行了计量经济分析。结果表明:有48%的农户将抵押贷款用于扩大非林业领域生产活动,这与国家出台林权抵押贷款政策初衷存在一定程度的脱节;贷款利率高低和还款期长短等因素对林权抵押贷款有显著影响,即当前林权抵押贷款利率较高和贷款期限过短是制约林权抵押贷款发展的重要因素,也是非贷款农户不选择抵押贷款获得发展资金的最主要原因。

Basing on the survey data of peasant households in Liaozhong and Faku District,Shenyang City,analyses the pattern of forest tenure mortgage loan,region of fund be used,satisfaction of peasant households after the innovation of forest tenure;examines reasons of he farmers why not participate in mortgages loan;the main factors affecting peasant households of forest tenure mortgage loan behavior through the binary classification Logistic model.The research indicates that pattern of forest tenure mortgage loan in Shenyang is single;48% peasant households used funds to expand the non-agricultur-al and forestry fields with production activities,that is disconnected with forest tenure mortgage loan policy of government;interest rate level and length of loan are the significant influence factors on forest tenure mortgage loan,that means the higher current mortgage rate and the shorter Loan time are the im-portant restrict factor of forest tenure mortgage loan,and they are also the main reason why peasant households don＇t choose mortgages to obtain development fund.