【摘要】：林權抵押貸款可以激活林業(yè)生產(chǎn)要素，是實施興林富民工程的重要資金來源，為金融支持新農(nóng)村建設找到了結合點。云南省發(fā)展林權抵押貸款具有天然的林業(yè)資源優(yōu)勢，研究發(fā)展過程中存在的問題并提出相應政策建議，對推動云南省林權抵押貸款的可持續(xù)健康發(fā)展具有重要的現(xiàn)實意義。 作者深入云南省縣、村級單位進行調查訪問，收集一手資料，將云南省10個樣本縣，430個樣本戶作為研究對象，對收集的縣、村、戶三級數(shù)據(jù)進行分析處理，總結云南省發(fā)展林權抵押的現(xiàn)狀和存在的問題，對云南省發(fā)展林權抵押貸款提出了政策性意見。 在對云南省林權抵押貸款發(fā)展現(xiàn)狀具體情況進行研究時，主要運用電子表格對數(shù)據(jù)進行分析，同時輔之以折線圖、餅圖等對表格數(shù)據(jù)進行直觀描述；在對農(nóng)戶參與林權抵押貸款的情況分析時，運用統(tǒng)計學中的單因素方差分析法；在農(nóng)戶意愿性選擇的分析上，運用聚類分析法，主要是利用比較分析的方法發(fā)現(xiàn)問題。主要研究內(nèi)容及結論如下： （1）總結了國內(nèi)外林權抵押貸款的理論和實踐研究，重點對林權抵押貸款過程中森林資源資產(chǎn)評估和林權抵押貸款模式的實證研究進行了匯總分析�？偨Y認為該領域的實證研究多于理論研究，國內(nèi)關于林權抵押貸款研究提出的問題和對策欠缺地域性特點和針對性。 （2）云南省整體林權抵押貸款發(fā)展快，規(guī)模大，但在實證研究過程中發(fā)現(xiàn)各地區(qū)發(fā)展林權抵押貸款在林地規(guī)模、貸款金額和單位抵押價格上水平各異，，顯示出云南省林權抵押貸款的發(fā)展差異性和不平衡性。此外與林權流轉相比較，云南省發(fā)展林權抵押貸款更具市場與潛力，但是目前林權抵押貸款的普及發(fā)展水平較低。商業(yè)銀行參與林權抵押貸款的積極性不高。 （3）農(nóng)戶參與的林權抵押貸款單位宗地面積小，金額小，增加了貸款成本，降低了使用效率。參與林權抵押貸款的農(nóng)戶，林權抵押貸款對農(nóng)戶家庭的林業(yè)生產(chǎn)投入有顯著影響，但是對農(nóng)戶家庭林業(yè)生產(chǎn)收入?yún)s沒有顯著影響，主要原因在于貸款期限較短，林業(yè)生產(chǎn)周期較長，林權抵押貸款帶來的林業(yè)投入尚未顯現(xiàn)出明顯的收益效果。 （4）云南省農(nóng)戶對林權抵押貸款政策及其相配套的林木資源評估和森林保險等政策的認知度很低，過低的認知度造成農(nóng)戶在面對滿意度調查時無法選擇。主要原因在于云南省林權抵押貸款相應硬件機構不健全和政策軟件宣傳不足。農(nóng)戶對發(fā)展林權抵押貸款的愿望普遍比較迫切，尤其是森林資源豐富的地區(qū)，農(nóng)戶急于將固定的林業(yè)資源轉化為流動資金以支持生產(chǎn)發(fā)展。 （5）針對云南省林權抵押貸款存在的問題提出建議，即規(guī)范辦理流程，縮短地區(qū)發(fā)展差異；加強林權抵押貸款的普及與宣傳，提高農(nóng)戶認知度；政策傾斜，吸引商業(yè)銀行積極參與；將加快提高林權交易中心覆蓋率作為重中之重。
[Abstract]:Forest property mortgage loan can activate the factors of forestry production and is an important source of funds for implementing the project of prospering the forest and enriching the people. It has found the joint point for the financial support of the construction of the new countryside. The development of forest right mortgage loan in Yunnan Province has the advantage of natural forestry resources. It is of great practical significance to study the problems existing in the process of development and put forward corresponding policy suggestions to promote the sustainable and healthy development of forest right mortgage loan in Yunnan Province. The author went deep into the county and village level of Yunnan province to conduct investigation and interview, collected primary data, took 430 sample households in 10 sample counties of Yunnan Province as the research object, and analyzed and processed the data collected at the county, village and household levels. This paper summarizes the present situation and existing problems of the development of forest right mortgage in Yunnan Province, and puts forward some policy suggestions on the development of forest right mortgage loan in Yunnan Province. In the study of the current situation of forest tenure mortgage loan in Yunnan Province, the paper mainly uses electronic table to analyze the data, and at the same time, the table data is described intuitively with broken line map, cake chart and so on. In the analysis of farmers' participation in forest tenure mortgage loans, the single factor variance analysis method is used in statistics, and in the analysis of farmers' willingness to choose, the cluster analysis method is mainly used to find the problem. The main research contents and conclusions are as follows: (1) the theoretical and practical research on forest tenure mortgage loan at home and abroad is summarized. This paper focuses on the empirical research on forest resource asset assessment and forest right mortgage loan model in the process of forest tenure mortgage loan. It is concluded that the empirical research in this field is more than the theoretical research, and the problems and countermeasures put forward in the domestic research on forest tenure mortgage loan are short of regional characteristics and pertinence. (2) the overall forest right mortgage loan in Yunnan Province develops rapidly and has a large scale. However, in the process of empirical research, it is found that the development of forest right mortgage loan in different areas in the forest land scale, loan amount and unit mortgage prices are different, showing the difference and imbalance of the development of forest right mortgage loans in Yunnan Province. In addition, compared with the circulation of forest rights, Yunnan Province has more market and potential to develop forest right mortgage loan, but the level of popularization of forest right mortgage loan is relatively low at present. Commercial banks are not highly motivated to participate in forest right mortgage loan. (3) the land area of forest right mortgage loan unit is small and the amount of land is small, which increases the loan cost and reduces the use efficiency. For the farmers who participate in the forest right mortgage loan, the forest right mortgage loan has a significant influence on the household forestry production input, but it has no significant effect on the household forestry production income, the main reason is that the loan period is short. The forestry production cycle is longer, The forestry investment brought by forest right mortgage loan has not shown obvious benefit effect. (4) the farmers in Yunnan Province have low awareness of forest right mortgage loan policy and the corresponding forest resources evaluation and forest insurance policies. Too low awareness of farmers in the face of satisfaction surveys can not choose. The main reason lies in Yunnan Province forest right mortgage loan corresponding hardware organization is not perfect and the policy software propaganda is insufficient. Farmers' desire to develop forest property mortgage loans is generally more urgent, especially in areas rich in forest resources. Farmers are eager to convert fixed forestry resources into liquid funds to support production development. (5) suggestions on the problems existing in forest tenure mortgage loans in Yunnan Province are put forward, that is, standardizing the processing process and shortening regional development differences; To strengthen the popularization and publicity of forest tenure mortgage loans, to improve farmers' awareness; to attract the active participation of commercial banks; to accelerate the increase of forest property rights trading center coverage as the top priority.
【學位授予單位】：西南林業(yè)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.4

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