三明市农户林权抵押贷款行为及影响因素分析

林权抵押贷款是当前林权制度改革所推出的新型融资方式,也是金融机构开展贷款的重要业务.对福建省三明市5县（市）12乡镇24行政村随机抽取的484户农户进行调查,用Logistic模型研究农户林权抵押贷款需求的影响因素,包括户主基本特征、家庭基本特征和林权抵押贷款认知.结果表明：受教育程度和家庭总支出对农户信贷需求产生正的显著影响,户主年龄、家庭劳动力数量、家庭总收入对农户信贷需求产生负的显著影响.并根据分析结果提出相应的对策.

Farmers＇ Forest Right Mortgage Loan Behavior in Sanming City and Analysis of Its Influence Factors

Forest right mortgage loan is currently a new financing mode prompted by forest right system reform. It is also an important business of financial institutions in lending. This paper, based on a survey of a random sample of 484 farmer households distributed in 24 administrative villages of 12 townships of 5 counties （cities） in Sanming City, Fujian Province, studies the factors influencing demand behavior of their forest right mortgage loans and analyzes the relationship among these factors. By the Logistic Model, the result shows that determinants of demand for the forest right mortgage loan mainly include personal characters of the household head, household features and cognition of forest right mortgage. The result also shows that education level and total household expenditure have positive effects on demand for the collateral loan. The age of the household head, the number of family labor as well as household income have negative effects on demand for the collateral loan. In addition, this paper proposes some policy suggestions for further promoting forest right mortgage loan.