本文選題：小額林權抵押貸款 + 貸款需求��； 參考：《西北林學院學報》2014年06期

【摘要】：小額林權抵押貸款對于盤活林農資金、促進林業(yè)生產(chǎn)具有重要意義。以福建省尤溪縣和清流縣、浙江省臨安縣、陜西省富縣和西鄉(xiāng)縣的調研數(shù)據(jù)為基礎,運用SPSS13.0統(tǒng)計分析軟件構建多元回歸模型,分析林農小額林權抵押貸款需求的影響因素。結果表明,林農小額林權抵押貸款需求與林農家庭年均收入、林地面積、貸款期限、貸款用途和是否參加了資產(chǎn)評估無關,與林農年齡、家庭主要收入來源呈顯著負相關關系,與林農受教育程度、小額林權抵押貸款的貸款額度和是否參加了森林保險有顯著正相關關系。據(jù)此,建議將小額林權抵押貸款的主要貸款對象定位于較年輕和家庭收入來源較單一的林農;金融機構要適當提高貸款額度,延長貸款期限,擴大貸款利用范圍,以滿足林農生產(chǎn)和生活的實際需要;增加森林保險險種,降低保險費用,提高保障水平,簡化保險業(yè)務辦理手續(xù),積極推動森林保險業(yè)務的發(fā)展;重視林區(qū)的教育發(fā)展,提高林農的科學文化教育水平。
[Abstract]:The small forest right mortgage loan is of great significance to activate the fund of forest agriculture and promote forestry production. Based on the investigation data of Youxi County, Qingliu County, Lin'an County, Fuxian County and Xixiang County, Fujian Province, the multivariate regression model was constructed by using SPSS 13.0 software to analyze the influencing factors of forest farmers' demand for small forest rights mortgage loans. The results showed that the demand for small forest right mortgage loan was not related to the average income, the area of forest land, the loan term, the use of loan and the participation in the appraisal of assets, but was negatively correlated with the age of forest farmers and the main income sources of the family. There is a significant positive correlation between the amount of small forest right mortgage loan and forest insurance. Based on this, it is suggested that the main target of small forest right mortgage loan should be the forest farmers who are younger and have a single source of income, and that financial institutions should appropriately increase the loan amount, extend the loan term, and expand the scope of loan utilization. To meet the actual needs of forest farmers in production and living; to increase forest insurance coverage, to reduce insurance costs, to improve the level of insurance, to simplify the procedures for handling insurance business, and to actively promote the development of forest insurance business; and to attach importance to the development of education in forest areas, We will raise the level of science, culture and education of forest farmers.
【作者單位】： 北京林業(yè)大學經(jīng)濟管理學院;河北工業(yè)職業(yè)技術學院;
【基金】：教育部人文社會科學研究青年基金項目(11YJCZH258) 中央高�；究蒲袠I(yè)務費專項資金資助項目(RM2011-36)
【分類號】：F326.27;F832.43

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本文編號：2029742