Analysis Of The Factors Affecting The Demand For Forest Property Mortgage Loans From The Perspective Of Farmers

The goal of China's forestry reform is to further deepen the reform of collective forest right system,and further promote forestry's further effective integration and attract investment and development of other industries' funds.The formation and development of forest right mortgage loan is not only a very important product of collective forest right reform,but also a further innovation of rural property right reform and financial reform.It not only solves the problem that mortgage is difficult to obtain for financial institutions,but also further improves the enthusiasm of farmers in production.However,the development of forest tenure mortgage loan has not solved the real needs of farmers.Therefore,this paper takes Fujian Province as an example,and investigates and monitors the data of 506 households in ten sample counties based on the State Forestry Administration's collective forest right system reform,and studies the influencing factors of farmers' demand for forest right mortgage loan,from the point of view of farmers,the factors affecting the demand of forest rights mortgage are discussed.In this way,it can improve the enthusiasm of their loans and improve farmers ' shortage of funds in the process of developing forestry,it can also make full use of forest resources assets,and effectively increase the income of farmers.At the same time,it will provide effective theoretical basis for the government in formulating relevant forestry policies and measures.This paper first introduces the background,purpose and significance of the study in the introduction part,and introduces the research methods and data sources used.Then,based on the information asymmetry theory,this paper analyzes the current situation of the development of forest property mortgage loan in Fujian Province,and finds out the predicament of forest right mortgage loan development in Fujian province,which mainly includes the lack of qualified assessment institutions,the difficulty of forest right valuation,the lack of related insurance mechanism related to mortgage and the imperfect risk prevention and control,at the same time,the propaganda intensity of forest right mortgage loan is not high,the farmer's financing consciousness is not strong.Secondly,through the data obtained from the field investigation,this paper describes the characteristics of the family basic situation,the peasant family's arable land and woodland resources endowment,the family income and expenditure status attribute,the peasant family's human and forestry related attributes,and making descriptive statistical analysis on the demand factors affecting the farmers ' forest right mortgage loan,and the logistic model is used to carry out the empirical analysis.According to the analysis of influencing factors on farmers'forest right mortgage loan demand combined with the existing data:the age of farmers,households cultivated land,farmers household forestry income,farmers long-term migrant workers have a positive significant influence on the demand for the mortgage of farmers' forest rights;the production and management of farmers' family,the expenditure of family labor and the number of family forest rights has a significant negative impact.Finally,according to farmers' actual demand for forest property mortgage loans,and the previous research conclusions,the following policy suggestions are put forward:improving the evaluation and circulation mechanism of the forest rights mortgage transaction and improving the educational level of the farmers,promoting the propaganda of the policy of the mortgage of the forest rights,promoting the establishment of the guarantee institutions and the insurance mechanism,setting up the credit platform of forest right mortgage loan,actively developing outstanding forestry economic project,raising the farmer's financing consciousness.