本文關鍵詞：福建省農(nóng)戶林權抵押貸款影響因素的實證分析　出處：《福建農(nóng)林大學》2014年碩士論文　論文類型：學位論文

  更多相關文章： 福建省 林權抵押貸款 影響因素 列聯(lián)表分析 Logistic回歸分析

【摘要】：林權抵押貸款是集體林權制度改革的產(chǎn)物,是推進林業(yè)籌融資發(fā)展的重要途徑。福建省從2003年率先在永安市開展林權抵押貸款試點,并陸續(xù)在全省范圍內(nèi)推廣。本文采用Logistic回歸模型對福建省農(nóng)戶林權抵押貸款影響因素進行實證分析,找出影響農(nóng)戶林權抵押貸款的顯著因素,最后提出對策建議,以期為福建省林權抵押貸款政策的實施、推廣提供一定的支持。 本文共由六個部分構成。第一部分為引言,簡述了本文的研究背景、意義和主要的研究內(nèi)容,交待本文運用的研究方法、技術路線以及本文的創(chuàng)新和不足,同時對農(nóng)戶林權抵押貸款相關的國內(nèi)外研究現(xiàn)狀進行闡述,包括農(nóng)戶決策行為、農(nóng)戶借貸行為和林權抵押貸款三個方面。第二部分闡述了與林權抵押貸款相關的理論,包括外部性理論、交易費用理論、融資理論、信用理論和行為經(jīng)濟學理論等五個理論。第三部分分析了林權抵押貸款的基本情況,包括林權抵押貸款開展的必要性和可行性、組成要件和特征分析、林權抵押貸款五種模式對比分析以及福建省林權抵押貸款現(xiàn)狀。第四部分從戶主個人特征、家庭特征、農(nóng)戶社會資本、農(nóng)戶林業(yè)生產(chǎn)規(guī)模與收入結構、林權抵押貸款成本以及森林經(jīng)營保障等方面推測可能影響農(nóng)戶林權抵押貸款的因素并進行理論分析。第五部分說明了本文使用的農(nóng)戶林權抵押貸款影響因素的實證分析方法,包括列聯(lián)表分析和Logistic分析；并基于福建省屏南、長泰、漳平、永安四地的實地問卷調查結果進行實證分析,得出顯著影響因素。第六部分對研究結果進行歸納總結,并提出建議。 結果顯示：運用列聯(lián)表分析可以得出戶主年齡、家庭規(guī)模、家庭勞動力數(shù)量、長期外出打工人數(shù)、家庭林地塊數(shù)、家庭林地面積、戶主是否有外出打工經(jīng)歷、是否有人(曾)擔任村干部、是否獲得過信用貸款等9個變量與農(nóng)戶是否想申請林權抵押貸款相關；運用Logistic回歸模型對上述9個變量進行分析可以得出家庭林地面積和是否獲得過信用貸款2個變量是農(nóng)戶申請林權抵押貸款的顯著影響因素。根據(jù)研究結果,本文提出加大宣傳力度,并對農(nóng)戶加強教育和培訓；政府加大扶持力度,降低農(nóng)戶貸款成本；完善林權交易流轉平臺；健全森林保險機制等建議。
[Abstract]:Forest right mortgage loan is a product of the reform of collective forest right system, is an important way to promote the development of forestry financing in Fujian province. From 2003 the first in Yongan city to carry out forest right mortgage loan pilot, and gradually extended in the province. This paper uses Logistic regression model empirical analysis of Fujian Province farmers forest right mortgage loan factors obviously, to find out the influencing factors of farmers' forest right mortgage loan, and finally puts forward some countermeasures and suggestions, in order to implement the Fujian province foresttenure mortgage policy promotion, provide some support.
This paper consists of six parts. The first part is the introduction, summarizes the research background, significance and main research contents, research methods used in this paper, the technical route and the innovation and deficiencies, also related to farmers of the forest right mortgage loan research status at home and abroad are described, including the farmers' decision-making behavior. Three aspects of the borrowing behavior of rural households and forest right mortgage loan. The second part elaborates the relevant theory and the forest right mortgage loan, including the externality theory, transaction cost theory, financing theory, credit theory and behavioral economics theory of five theories. The third part analyzes the basic situation of the forest right mortgage loan, including forest right the necessity and feasibility of carrying out the mortgage, the composition analysis of elements and features of forest right mortgage loan five modes and comparative analysis of Fujian province forest right mortgage loan status. The fourth part from the family The main characteristics of the family, individual characteristics, farmers' social capital, farmers' forestry production scale and income structure, in terms of forest right mortgage loan cost and guarantee that forest management may influence farmers' forest right mortgage loan factors and theoretical analysis. The fifth part explains the analysis method of factors influence farmers of forest right mortgage loan to use in the article. Including the column analysis and Logistic analysis table; and based on the Fujian Province, Pingnan, Changtai, Zhangping, Yongan four field survey results of empirical analysis, the significant factors. The sixth part summarizes the research results, and put forward some suggestions.
The results showed that: the use of the column can be obtained by the analysis of household age, family size table, the number of family labor, long the number of migrant workers, the number of family family forest land, forest land area, head of the household is migrant workers have experience, whether anyone (who) as village cadres, whether won the credit of 9 variables and farmers want to apply for the forest right mortgage related; using Logistic regression model of these 9 variables can be obtained by the analysis of family forest area and won the credit of 2 variables is significantly affected farmers in the forest right mortgage loan application factors. According to the research results, this paper proposes to increase publicity efforts and strengthen the education and training of farmers; increase the support of the government, reduce the cost of loans to farmers; improve the forest right transfer platform; proposals to perfect the forest insurance mechanism.

【學位授予單位】：福建農(nóng)林大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F326.2;F832.4

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