Study On The Forestry Financial Service Demand Of The Farmers In The Collective Forest Region

Forestry is an important part of the national economy,in addition to economic benefits,forestry has obvious social and ecological benefits of forestry sustainable development has important significance for improving the ecological environment and promoting social stability and economic development of our country.For a long time,China’s forestry productivity level is low,the forest development,farmers’ income growth is slow,forestry has become a weak link in the development of national economy,actively carry out the work of forestry financial service can help farmers develop production and increase revenue,promote the overall development of forestry and forest.China’s current forestry financial services to forest insurance and forest right mortgage loans,based on the investigation on the collective forest farmers,using descriptive statistics and econometrics to analyze the farmers of forest insurance,forest right mortgage loan cognition and the needs of farmers,and further analyze the influence factors on demand.This study shows that:(1)farmers on the cognitive level is low and forestry financial services in different regions of the farmers’ cognition level is not a,heard of forest insurance of farmers accounted for only 23.33%,heard of at least one forest right mortgage loan mode of farmers accounted for 40.56%,the cognitive channels forest farmers,farmers are mostly from the villagers or friends heard of forestry financial services.(2)farmers have certain demands for forest insurance but understanding forest insurance of farmers is not much less practical for farmers of the forest right mortgage loan,the application will not be high.(3)by Logistic regression model,the age of respondents and whether there is life loan interest expenditure has a significant negative impact on Farmers’ demand for forest insurance.(4)the age of respondents had a significant negative effect on forest right mortgage loan demand has significant positive impact on Farmers’ family labor force of the forest right mortgage loan demand,if they have heard of the forest right mortgage loan of farmers’ forest right mortgage loan demand has significant negative influence.This paper considers that:(1)the government,banks and insurance institutions should strengthen cooperation,focusing on the village cadres and villagers and friends of communication channels,strengthen propaganda,improve farmers’ understanding of forestry financial services and awareness.(2)the insurance agency can according to the main forest in different regions,the introduction of different forest fire insurance,insurance and comprehensive insurance can bothcarry out.(3)the forest right mortgage loan should pay attention to the number of young farmers and many farmers to participate in family labor.(4)the government should continue to carry out certain subsidies or discount mortgage insurance on forest or forest,there is a need to encourage the farmers to participate in forestry finance,while the forest right mortgage loan and combined with the promotion of forest insurance.