文章摘要
农户林权抵押贷款的收入效应及其差异性研究
Income effects and the heterogeneity of forest property right mortgage
投稿时间:2020-05-10  修订日期:2020-07-21
DOI:10.13872/j.1000-0275.2020.0071
中文关键词: 林权抵押贷款  收入效应  差异性  PSM模型  集体林区
英文关键词: forest property right mortgage  income effects  heterogeneity  the PSM model  the collective forest region
基金项目:国家林业和草原局软科学研究项目(JYC2019-74);国家林业和草原局研究项目(LGS-2018-012)
作者单位E-mail
马橙 西北农林科技大学经济管理学院 594838032@qq.com 
高建中 西北农林科技大学 经济管理学院 gaojianzhong2003@aliyun.com 
姚畅燕 西安财经大学经济学院 yao.changyan@163.com 
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中文摘要:
      林权抵押贷款能够有效缓解农户信贷约束,对实现林业可持续经营具有重要意义。以南方集体林区为例,利用福建、湖南和江西3省农户调研数据,采用倾向得分匹配法(PSM),分析集体林区农户林权抵押贷款的收入效应,探讨不同结构视角下的收入效应差异性。结果表明,样本农户中,获得林权抵押贷款农户占比较低,仅为11.81%;且获得林权抵押贷款农户与未获得林权抵押贷款农户在收入水平、农户基本特征和林地资源禀赋等方面存在显著差异。在未考虑农户差异的情况下,林权抵押贷款可以显著增加农户收入水平,且获得林权抵押贷款农户总收入均值明显增加1.74万元。林权抵押贷款具有正向收入效应,但不同收入结构和农户结构下林权抵押贷款的增收效应存在差异。从收入结构来看,林权抵押贷款仅增加农户总收入和林业收入,而对非林收入不显著;从农户结构来看,林权抵押贷款仅对劳动力资源配置占比25%~50%、中高收入水平和大规模经营农户显著。因此,建议进一步创新金融服务方式,探索林权抵押贷款多元运行机制,建立基于农户结构差异化的信贷产品设计。
英文摘要:
      Forest property right mortgage can effectively reduce the credit constraints of farmers and it is of great significance for realizing sustainable forestry management. Based on a survey data from the collective forest region in Fujian, Hunan and Jiangxi provinces, this paper analyzed the income effects of forest property right mortgage for farmers in the collective forest region and explored the heterogeneity of income effect under different perspectives of household structure by the propensity score matching method (PSM). Results show that the proportion of surveyed households with forest property right mortgage is relatively low, only 11.81%, and there are significant differences of income levels, basic characteristics of farmers, and endowments of forest land resources between farmers with forest property right mortgage and those without. The average total income of farmers with forest property right mortgage increases by RMB 17 400 yuan without considering the differences in household structure. Forest property right mortgage has some positive income effects, but the income effects of forest property right mortgage under different income structures and farmer types are different. From the perspective of income structure, forest property right mortgage only increases the total income of farmers and forestry income, but it is not significant for non-forest income. From the perspective of household structure, forest property right mortgage only accounts for 25%~50% of the allocation of labor resources, which is significant for those households with middle and high income levels and large-scale operations. Therefore, this paper suggests to further innovate the way of financial service, to explore the diversified operation mechanism of forest property right mortgage, and to establish the credit product design based on the difference of rural household structure.
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