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在林业融资的过程中,金融部门慎贷、惜贷现象非常突出,从而导致林农的信贷需求难以得到满足,对林业生产活动造成了严重的负面影响。结合2005年对福建永安市林农信贷状况的调查数据,运用Logit模型对影响林农信贷约束的林业特质因素进行了探索性的实证研究。研究结果表明,除了利率对林农的信贷约束有显著的影响外,森林保险的参保状况、林权证和采伐证的拥有情况是林农信贷约束的显著特质性影响因素。
In the process of forestry financing, the financial sector cautiously loans, but the phenomenon of looting is very prominent, resulting in the credit needs of forest farmers is difficult to be met, causing serious negative impact on forestry production activities. Combining with the survey data of the state of forest farmers in Yongan, Fujian Province in 2005, this paper carried out an exploratory and empirical study on the characteristics of forest traits affecting the credit constraints of forest farmers by using Logit model. The results show that except the interest rate has a significant impact on the credit constraints of forest farmers, the insured conditions of forest insurance, forest tenure certificates and the ownership of harvesting certificates are the significant trait factors affecting the credit constraints of forest farmers.