| Forest right mortgage loan policy,a new type of loan business,comes into being with the reform of collective forest right system and is the further reform of the reform of collective forest right system.This policy is trying to solve the problem of lack of mortgaded goods when farmers want to apply for some loan. Also.it is an attempt and innovation in the field of rural finance.After the reform of collective forest right system, forest land was distributed to every household, government determined the rights of forest, and issue a grassland-use.,farmers have the conditions to loan. The policy have been implemented for many years, the cumulative amount of loans increased year by year.However,the main object of forest right mortgage loan was used for the forestry enterprises and forestry households, farmers successfully applied for the loan less and less, policy benefited for farmers is minimal. Farmers are the important part in our society,both are the owners of forest rights, their participation directly influence the forestry development and the progress of forest right mortgage loan.Therefore, this paper from the perspective of farmers, iln-depth study the current forest right mortgage loan in the implementation of the farmers, understand the loans demand for farmers, discuss on the influencing factors for farmers'willingness of the forest right mortgage loan. Then trying to solve the problem of less loans for famers,and famers get loans is difficult. And then to deepen the reform of collective forest right system, and promot the development of our forestry in China, speed up the construction of modern forestry economy.In this paper,mainly take the way of field investigation and interview.On the one hand we collected some effecticve information from forestry department of Sichuan province,on the other hand we investigated the willingness of 24 villages and towns in Sichuan Dayi, Ping Shan, Xingwen, Wangcang Qingchuan five counties to conduct field research By means of interview and field investigation.Through the survey data, surveyed farmers and their families to conduct simple descriptive analysis.It described the situation of farmers borrowing and the forest right mortgage loan cognition, and analysed farmers'willingness to borrow and related factors with cross-analysis method.By the two element Logistic model,we deeply studied the factors which could influence willingness of foresters'forest right mortgage loan.Finally obtained the relevant conclusions and make appropriate policy recommendations.The main conclusions are:Sichuan province has basically completed the main part of the reform of collective forest right system reform, but the vast majority of farmers still don't understand the forest right mortgage loan policy, the survey of farmers' rights to mortgage loans will reach 48.66%.Farmers applying for the forest right mortgage loan, followed by factors that are most concerned about the interest rate, the loan repayment time and degree of difficulty. Relatives and friends are the main source of household borrowing funds. Farmers in gender, age, workforce, village cadres, whether does exist in the home loan experience, forestland area,the distribution of forest land, whether engaged in forestry production, whether to participate in the professional cooperative economic organization of farmers forest right mortgage will have a significant impact.According to the analysis of the survey data, combined with the specific situation understanded when go to the countryside to field survy.I put forward the following Suggestions:(1)To increase farmers' financial awareness, and to strengthen the credit concept.(2)To increase the professional cooperative economy organization participation,and promot forestry production.(3)To improve the platform of forest right circulation, reduce the loan risk and cost.(4)To reduce the loan procedure, to extend the repayment period.(5)To strengthen policy propaganda, accord to loan discount interest policy strictly.. |
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