家庭禀赋对农户公益林收益权质押贷款需求影响研究

基于浙江省丽水市调查数据,采用Logistic模型和Tobit模型,实证分析家庭禀赋对农户公益林收益权质押贷款需求及其额度的影响。结果表明:大多数农户对贷款有需求;农户存在以中长期生产性借贷为主的潜在贷款需求特征;家庭的人力资本、社会资本、自然资本、经济资本均是影响农户公益林收益权质押贷款需求的因素;公益林大户相对于公益林小户贷款需求意向更为强烈;家中发生大事、政府贴息、贷款期限、林权抵押贷款经历均对农户公益林收益权质押贷款需求和需求额度具有显著正向影响;贷款用途限制对农户公益林收益权质押贷款需求和需求额度具有显著负向影响。因此,政府机构应鼓励各地加大贴息力度,为农户提供融资增信,银行业金融机构应合理确定贷款期限,农户应注重自身资源禀赋的积累和利用,政府及各地基层、相关金融机构应加大金融宣传力度。

A Study on the Influence of Family Endowment on the Demand for Pledge Loans for Farmers' Public Welfare Forests

⑴Background——What are the endowment factors that affect farmers'loan needs?Is there any loan demand and what is the amount of demand?These are important issues that need to be sorted out in order to improve the pledge loan policy for public welfare forest income rights and the rural financial service system.⑵Methods——Based on the survey data of Lishui City,taking farmers'loan demand and loan demand quota as the explanatory variables,the logistic model and the Tobit model are used to empirically analyze the impact of household endowment on the peasant household's right to pledge loans for public welfare forest income.⑶Results——Among the 237 sample farmers,140 are in need of a pledge loan for public welfare forest income rights.And farmers have potential loan demand characteristics that are mainly medium and long-term productive loans.①Family human capital:The education period of the head of the household is positively related to the loan demand and the amount of demand,that is,every year of education increases,the probability of demand will increase by 1.5%,and the amount of demand will increase by 0.74 million yuan.Moreover,the amount of family labor,loan demand and the demand quota are positively correlated,that is,for every increase in the family labor force,the probability of demand will increase by 4.4%,and the demand quota will increase by 0.016 million yuan.And the marginal effect of the head of the household's health status needs to take effect through other family endowments.②Family social capital:the amount of capable people among relatives and friends is positively correlated with loan demand and demand quota,that is,for each additional number of capable persons,the probability of loan demand increases by 1.2%,and the demand quota increases by 0.037 million yuan.And the number of relatives and friends and loan demand 2.The amount of demand is positively correlated,that is,for every increase in the number of relatives and friends,the probability of loan demand increases by 0.7%,and the amount of demand increases by 20.08 million yuan.③Family natural capital:The area of public welfare forest is positively correlated with loan demand.For every 1 hm2 increase in the area of public welfare forest,the probability of loan demand increases by 2.5%.④Household economic capital:Household debt is positively correlated with loan demand and the amount of demand.If farmers have arrears,the loan demand and amount will be reduced.⑤Control variables include whether there is a major event in the family,whether there is government discount,loan term,and whether there is forest tenure mortgage experience have a significant positive impact on the farmers'loan demand and the amount of demand,whether the use of loans has restrictions on farmers'loan demand and demand quotas have a significant negative impact.⑷Conclusions and Discussions——①For government agencies,all localities should be encouraged to increase interest discounts and banking financial institutions should be encouraged to undertake banks for discounting interest loans on pledge loans for public welfare forest income rights.②For small public welfare forest households,financial institutions should be encouraged to strengthen cooperation with local agricultural credit guarantee institutions and rural(stock)economic cooperatives,and to provide not only financing and credit enhancement for forestry production and operation entities,but also guarantees for farmer's loans.③For farmers,attention should be paid to the accumulation and utilization of their own resource endowments,and strengthen the accumulation of social capital and economic capital,as well as increase financial propaganda and cultivate farmers'modern financial awareness.