Research On Credit Will Of The Farmers Based On Forest Ownership Mortgage Loan In Dayi County Of Sichuan Province

Forest Right Mortgage Loan is an important economy in forestry financing. Arrangement of forest ownership system of property rights as the basis of its system of market-oriented economy, the development of forestry has a very important significance. Tenure reform introduced a series of reform measures to clarify the definition of forest property rights, established a system of forest ownership mortgages established on the basis of the right to exchange the necessary market forest environment, forest tenure reform to promote stability and effective development. However, the development of forest ownership market is shorter, the development is not perfect, and forest rights of forest ownership mortgage market economy will play a role in promoting a certain extent, forest rights trading market demand for funds to promote the development of Forest Right Mortgage Loan. As the main body involved in tenure reform, forest farmers the right mortgage for awareness and participation has the effect of forest change can not be ignored. Thus the right mortgage based on forest farmers to study the demand for loans will have important significance.Based on this background, the paper choose to change the national forest typical of the county hundred Dayi County, using access methods and questionnaires, data collection, based on forest ownership mortgage mortgage farmers to the needs of forest ownership will make a detailed study. Firstly, from the transaction cost theory, principal agent theory and the theory of sustainable forestry development, laid the theoretical foundation of this article; then, Dayi County, the basic pattern of tenure security (financial institutions, security companies+ borrower +) were described, and Overview of the study area, discusses the status of rural credit Dayi County, mainly as follows:the supply of credit in rural areas lack of formal financial institutions, agricultural businesses lack the power to farmers loans and other loans to farmers lack collateral. According to the survey data, this paper Logit model, farmers choose the right mortgage loan for forest will analyze the demand, the results show farmers to Forest mortgage credit and risk will be significantly influenced preference. Finally, make timely adjustments to the relevant policies and regulations, and actively promote the forest right mortgage loan, improve the rural financial policy support system, increase capital investment in rural areas, and guide the flow of funds in rural areas, improve rural financial security system, to spread the risk of financial support to agriculture, forestry guide forest Mortgage loan will strengthen the right of publicity and strengthening forest management and services, improve forest ecological compensation system, and actively explore the mechanisms of forest rights for social security measures and suggestions. To provide reference for the relevant departments to promote the forest right mortgage loan for further development of healthy and effective.