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林权改革后林农的信贷需求旺盛,但长期以来林农一直面临着信贷约束的束缚。信贷约束由信贷供求双方的信息不对称造成,林农的个体特征对消除信息不对称,进而减弱信贷约束具有某种影响。结合2010年福建省清流县林农的调查问卷数据,文章运用相关性分析和因子分析两项计量工具对林农个体特征对信贷约束的影响进行了实证研究。研究结果表明以家庭收入和非农化程度为代表的家庭整体特征是影响林农信贷约束的首要因素,而林农林权证的拥有与森林保险的参与对减弱信贷约束具有重要作用。
After the reform of forest tenure, forest farmers have strong demand for credit, but for a long time, forest farmers have been confronted with the constraint of credit constraint. Credit constraints are caused by the asymmetric information of both supply and demand of credit. Individual characteristics of forest farmers have some influence on eliminating information asymmetry and further weakening credit constraints. Based on the questionnaire data of forest farmers in Qingliu County, Fujian Province in 2010, this paper makes an empirical study on the impact of individual characteristics of forest farmers on credit constraints by using two measurement tools: correlation analysis and factor analysis. The results show that the overall family characteristics represented by family income and degree of non-agriculturalization are the primary factors that affect the credit constraint of forest farmers, while the ownership of forest forest warrants and the participation of forest insurance play an important role in reducing credit constraints.