A Study Of Farmer's Willingness To Small Forest Tenure Mortgage Loans

Forest tenure reform catalyzes the forest tenure mortgage loan which can solve the problems of capital raising and the mortgage shortage when peasant households need loans. Small Forest tenure mortgage loan is the further exploring of forest tenure mortgage loan. Now, forest tenure mortgage loans, which facing to the enterprises and wealthy households, have been on the right track in loan business.However, small forest tenure mortgage loan is still in an initial and exploring stage, which can hardly meet the massive peasant households'demand. Moreover, the effective demand of peasant households is the important basis for the development of small forest tenure mortgage loan. Therefore, it is not only important to value the investigation and research for characteristics of demand, intentions and influencing factors of peasant household's small forest tenure mortgage loan, bur also it has quite realistic significance for guaranteeing rural finance stability, expanding domestic demand, alleviating rural poverty and new rural communities construction.In this paper, we investigate the willingness of 364 peasant household's forest tenure mortgage loans, and did the research on the demand and willingness of peasant household' s forest tenure mortgage loans on the condition of collective forest right system has been deeply reformed. The contents of this paper mainly contains the following aspects: (1)According to the collecting date and materials, we utilize the theory of institutional change, land property and planned behavior into the expose essential features of empirical research areas, survey methods and samples from the standpoint of the microcosmic peasant household;(2)Make a preliminary analysis for characteristics of demand and intentions of peasant households'forest tenure mortgage loans;(3)We then take an cross correlation analysis for factors which influence peasant households'forest tenure mortgage loans and loan willingness; (4)Apply the Binary Logistic model to make an in-depth study for influencing factors of peasant household's loan willingness; (5)Finally, we give the creative policy proposals of the new small forest tenure mortgage loan system.The conclusion for this research includes:(1) Informal channels are the principal source of farmer's daily demand for credit to meet small amount and short term, unproductive. (2)The percent of farmers who have a high willingness to invest forest tenure mortgage loans into forestry and agricultural production is up to 69.2%. But the forest tenure mortgage can't meet the varied needs of farmers borrowing. (3)The loan is mainly used to invest in the production and the major features of loan amount and loan term is 20,000～40,000 yuan and3～5 years. (4)The influential factors include age, gender, whether to have the experience of live elsewhere for work, forest area, proportion of not in the labor force, cash income per capita, to rural distance and whether to participate in organization of professional collaboration economy, etc.In terms of demand conditions of forest tenure mortgage loan and the factors which influence peasant household's mortgage loan willingness, we have put forward the following creative countermeasures and suggestions for the small forest tenure mortgage loan system:(1) The accurate orientation is about the precondition of the health of the small forest tenure mortgage loan;(2) To achieve the specialty and differentiation for the small forest tenure mortgage loan is an important tendency of institution innovation; (3)The influential factors of famer's willingness to forest tenure mortgage loans are an important measure to promote the development of forest tenure mortgage loans.