摘要
本研究利用2011年在江西省遂川县的115户农户调查数据,采用二元logistic模型探寻影响林农林权抵押贷款意愿的主要因素,对林农家庭的基本属性、土地拥有情况、年收入与支出三大类的19个变量进行回归分析。研究结果表明:受教育程度和家庭生产性支出对农户的信贷需求产生正的显著影响;个体经营收入对农户的信贷需求产生负的显著影响。最后,研究基于以上分析,提出相应的对策和建议。
Based on a survey from a random sample of 115 farmer households distributed in Suichuan,Jiangxi,this paper studied factors influencing the willingness of collateral loan with their forest property and analyzed the relationship between these factors and the willingness of collateral loan with forest property by using a binary logistic regression.The result showed that education level and productive expenditure have positive effect on demand for the collateral loan,and self-employed income has negative effect on demand for the collateral loan.In addition,this paper proposed some policy suggestions for further promoting forest property collateral loan.
出处
《林业经济问题》
北大核心
2012年第2期126-131,共6页
Issues of Forestry Economics
基金
林业公益性行业科研专项(201004008)
关键词
林权抵押贷款
农户
LOGISTIC模型
影响因素
遂川
forest property collateral loan
farmer households
logistic regression
influencing factors
Suichuan
