| In order to deepen the reform of the collective forest rights system and broaden the financing channels for farmers,the public welfare forest income right pledge loan is another new forestry financing method after the forest rights mortgage loan.The forestry financial innovation with the public welfare forest income right pledge loan as the main content is An important part of rural financial innovation.Does the farmer have any demand for the public welfare forest income right pledge loan and the amount of demand?To a certain extent,it depends on the endowment of the family,and analyzes the family endowment factors that affect the farmers' public welfare forest income right pledge loan demand,and provides decision-making basis for formulating and optimizing the farmers' public welfare forest income right pledge loan policy.This study used the survey data of 237 households in 3 counties(cities)of Lishui City in 2018 to analyze the impact of family endowment on the demand for pledge loans of farmers' public welfare forests.First,a descriptive statistical analysis of the status of household endowment and the demand for pledge loan of public welfare forest income rights.Secondly,it analyzes the influence mechanism of family endowment on the demand for pledge loan of farmers' public welfare forests,and proposes relevant research hypothesis.Thirdly,cross-statistical analysis is carried out on the status of family endowment and the demand status of peasant public welfare forest income right pledge loan.Finally.the Logistic model and the Tobit model are used to analyze the impact of family endowment on farmers' demand for pledge loans for public welfare forests and the demand for farmers.Research indicates:(1)There are differences in family endowment characteristics of different farmers;59.07%of sample farmers have demand for public welfare forest income rights pledge loans;loan demand quota is 179,000 yuan,concentrated at 100,000 to 300,000 yuan;loan demand period is expected to be concentrated at 3 Up to 5 years;fanners tend to use the use of loans for living capital needs.The demand of farmers has the characteristics of satisfying the demand for living loans,the loan amount is large,and the loan term is short-term and medium-term.(2)Farmers' demand for pledge loans to public welfare forests is the result of the combined effects of family economic capital,social capital,human capital and natural capital.Among them,family natural capital needs to be more effective through the intermediary role of other family endowments.The number of years of education and the number of family laborers in the human capital,the number of capable people in the social capital and the number of relatives and friends of the farmer,and the area of the public forest in the natural capital all have demand and demand for the peasant public welfare forest income right pledge loan.Significant positive effects;and the family debts in economic capital have a significant negative effect on the demand and demand quota of farmers' public welfare forest income rights pledge loans.Among the control variables,whether there is a major event in the family,whether there is government interest subsidy,the loan term,and whether there is a forestry mortgage loan experience have a significant positive impact on the demand and demand quota of the farmers' public welfare forest income right pledge loan.Is there any restriction on the use of the loan to the farmers?Whether there is demand or demand for public welfare forest income rights pledge loans has a significant negative impact.Propose financial institutions to innovate credit products and optimize the public welfare forest income rights pledge loan policy;government departments to strengthen public welfare forest income rights pledge loan policy propaganda,farmer financial knowledge training,loan management methods,credit system norms;farmers should pay attention to their own resource endowments Accumulate and utilize,strengthen the village collective cooperation proposals. |
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