【文献来源】林业科学

【作者】石道金 许宇鹏 高鑫

【机构】浙江农林大学经济管理学院

【关键词】农户 林权抵押贷款 信贷需求 影响因素 probit模型

【摘要】 利用2010年在浙江省丽水市3个县(市)9个乡镇28个行政村随机抽取的591户农户调查数据,对影响农户林权抵押贷款需求的情况进行计量分析。主要研究户主个人特征、农户家庭特征、农户家庭经济状况以及金融服务对于农户林权抵押贷款需求的影响。研究表明:农户家庭拥有的林地面积、家庭支出和贷款贴息政策等因素对农户的信贷需求产生正显著影响;户主年龄、贷款用途是否限制对农户的信贷需求产生负的显著影响。提出进一步促进农户贷款需求的政策建议。 更多还原
【Abstract】Based on a survey from a random sample of 591 farmer households distributed in 28 administrative villages of 9 townships of 3 counties(cities) in Lishui,Zhejiang,this paper studied factors influencing demand behavior of collateral loan with their forest property and analyzed the relationship between these factors and the demand of collateral loan with forest property by using a Probit model.The result showed that determinants of demand for the collateral loan by farmer households mainly included personal characters of main members in household,purpose of loan,the number of labor force,expenditure of households.In addition,this paper discussed demand status of collateral loan with forest property for farmer households and proposed some policy suggestions for further promoting the demand of forest property collateral loan.

【基金】国家社会科学基金项目(09BJY009)