Analysis On Peasant’s Households’ Demand Of Forest Mortgage Loan And Influencing Factors In Collective Forest Area Of South China

Based on theories of rural financial, research on farmers credit demand behavior, this thesis fouseson1496sample of farmer households in Collective Forest Area of South China by applying normativeand positive analysis approaches.A systematic research on demand behaviorof farmer householdsbetween forest property collateral loan, demand and determinants of collateral loan with forest propertyby farmer households in Collective Forest Area of South China, and its conclusions is then conducted toprovide a theoretical basis and practical guideline for the reform of collective forest right system,forestry investment and financing system, the policy of forest property collateral loan. The majorconcluded findings are as follows:Firstly, forest property collateral loan has changed the farmer households’demand for credit behavior.This part of thesis focuses on the status of farmer households’ woodland and forest rights, forestproperty collateral loan characteristics by empirical analysis. The results show that forest property,forestland transferring, woodland area have obviously influence on farmers’ demand behavior.Secondly, this thesis has further studied influencing factors of demand behavior of farmerhouseholds’ forest property collateral loan by personal characters of main members in household,economic characters of farmer households, the policy of financial institutions. The results show that age,education level, ecpenditure of households, the limit of loan, loan period, valuation of forest resources,the number of forest polts have obviously influence on farmers’ demand behavior.Finally, forest property collateral loan should be changed by different operation mode. It can betaken to the “market-led development model” to the forestry enterprises and forestry large businessentities; the “government-led development model” to small farmer households.