影响农户林权抵押贷款需求因素的实证分析——基于浙江省遂昌县农户调查

Empirical Analysis of Factors Affecting Farmers' Demand of Forestry-right Mortgage Loan: Based on a Survey of Farmers in Suichang County of Zhejiang Province

利用2010年在浙江省遂昌县9个行政村抽取的200户农户调查数据,分析了影响农户林权抵押贷款需求行为的各种因素,运用Probit模型验证了各影响因素与农户林权抵押贷款需求的关系。研究表明,影响农户林权抵押贷款需求的主要因素包括户主年龄、借款用途、劳动力人数、家庭支出和林业收入占家庭总收入的比重等因素。针对调查过程中发现的问题,提出了政策建议。

This paper analyzes the factors affecting farmers＇ demand of forestry-right mortgage loan, and uses the Probit model to test the relationship between every factor and farmers＇ demand of forestryright mortgage loan. The research is based on the survey of randomly selected 200 farmers in 9 villages in Suichang county of Zhejiang province in 2010. Results show that the main influencing factors of farmers＇ demand of forestry-right mortgage loan include age of the head of household, usage of the loan, number of labors, family expenditure, and proportion of forestry income to total household income. Suggestions are put forward.