Research On Peasants Households’ Demand Of Forest Mortgage Loan And Influencing Factors In Jiangxi

Along with our country forest right system reform and the deepening, forestry factormarket has been developing rapidly, the enthusiasm of farmers have been excited, buthinder the development of forestry industry in the " financing" has been more prominent,so that the farmers’ demand for capital is very urgent. And the development of forest rightmortgage loan can effectively solve the farmers "financing difficult " problem and canopen up a new business in the field of financial institutions, financial institutions toenhance the operating efficiency and service levels.Firstly the status of forest right mortgage loan in Jiangxi province were profileanalysis, are briefly introduced in this paper relates to the forest right mortgage loan of theelements and the existing mode. Through analysis and research, found the forest rightmortgage loan in Jiangxi province the main problems: forestry factor market is not perfect,collateral circulation, forest insurance advancing slowly, protect the assets of banks, thelack of assessment agencies qualified, forest right evaluation problems. In addition, theforest right mortgage loan supply mainly policy finance, loans primarily to the abundantfunds and the strength of the forestry enterprises and forestry large; Mao Zhulin becamethe main collateral common farmers in the village as a unit, and the scale of mortgage cansolve the financing cost too much problem to some extent. Secondly, through the fieldsurvey of500households in10sample counties in Jiangxi Province, an empirical analysisof the factors affecting the credit needs of farmers and forest right mortgage loan demand,therefore draws the following conclusions: the age of the householder, forestry income tototal revenue ratio, family whether anyone has served as village cadres and whether thereis interest loans significant effect on Farmers’ credit demand; and the age, education levelof farmers, forestry income to total income proportion, the family forest area, whetherthere is a discount loans and loan purposes is limited and other factors that may affect thefarmer Lin Quan mortgage loan demand.