摘要
以福建省三明市“福林贷”产品为例,建立合作社、农户、金融机构三方共同参与的两阶段博弈模型,通过博弈分析方法挖掘出合作社担保模式对林权抵押贷款的作用机理。结果表明:林业经营环境、贷款利率、合作社帮扶力度对林权抵押贷款需求具有积极影响,农户违约惩罚对保障贷款偿还率具有积极影响但对林权抵押贷款需求具有消极影响;合作社承担过多的还贷帮扶责任不利于社会总体效用。最后,基于研究结果对合作社担保模式下的林权抵押贷款发展提出相应的对策方案,为持续深化中国农村集体林权制度改革提供决策依据。
⑴Background--How to improve the demand of forest right mortgage loan by establishing an effective cooperative guarantee model has always been the concern of many scholars.⑵Methods--This paper takes the“Fulin Loan”in Sanming,Fujian province as an example.Based on the game theory,a three-stage dynamic game model involves cooperative and farmers is proposed to explore the mechanism of cooperative guarantees in forest right mortgage loan.⑶Results--According to the Nash equilibrium of forest right mortgage loan in cooperative guarantee mode,it can be concluded that the stakeholders'behavior choice in forest right mortgage loan under cooperative guarantees is affected by multiple internal and external factors.More specifically,the game results are closely related to the forestry economy environment,interest rate,penalty for loan default,and repayment responsibility taken by the cooperative.First of all,cooperatives pay attention to financial expenditure is more conducive to improve the overall social utility,while cooperatives assume too much repayment responsibility is not conducive to the overall social utility.Therefore,when guaranteeing the mortgage loan of forest rights,cooperatives should first fully consider their own financial situation,rather than blindly guarantee the loan behavior of farmers.Secondly,the forestry management environment and the preferential interest rate policy of forest right mortgage loan play the same role in promoting forest right mortgage loan.A better forestry economy environment or a more preferential interest rate creates more demand for the forest right mortgage loan.Conversely,a worse forestry economy environment or a less preferential interest rate leads to less demand for forest right mortgage loan.Thirdly,although the cooperative assistance mechanism for farmers can promote the demand for forest rights mortgage loans,it will cause farmers to tend to evade loan repayment obligations.Finally,although the penalty for breach of contract by cooperatives plays a positive role in promoting farmers to repay their loans on time,it has a negative impact on the demand for forest right mortgage loans.⑷Conclusions and Discussions--According to the game analysis,cooperatives'attention to financial expenditure is more conducive to enhance the overall social utility.Good forestry management environment,preferential interest rate policies and cooperative assistance play a positive role in promoting the demand for forestry financial loans.Farmers'breach of contract punishment plays a positive role in supervising farmers to fulfill their loan repayment obligations,but it will restrain farmers'demand for forest rights mortgage loans.Therefore,in order to improve the effectiveness of the forest right mortgage loan under the cooperative guarantee mode and promote the prosperity and development of forestry,the following suggestions are put forward:first of all,the government are expected to strengthen forestry policy formulation,expand forestry investment channels,effectively integrate forestry resources,strengthen the optimization and innovation of forestry production technology,and constantly improve and innovate the current forest insurance system,in order to create a stable and good forestry economic environment and enhance farmers'confidence in forest rights mortgage loans;secondly,it is necessary to introduce forestry financial subsidy policies to stimulate the demand for forest rights mortgage loans.Third,the cooperative should set reasonable supporting conditions and proportion to promote the healthy development of forest right mortgage loan.
作者
陈旎珊
冯鑫
徐中岳
CHEN Nishan;FENG Xin;XU Zhongyue(School of Humanities and Social Sciences,East China Jiaotong University,Nanchang 330013,China;College of Management and Economics,Fujian Agriculture and Forestry University,Fuzhou 350002,China)
出处
《林业经济问题》
北大核心
2021年第6期651-657,共7页
Issues of Forestry Economics
基金
国家自然科学基金项目(71701048)
福建省社会科学研究基地生态文明研究中心项目(KXJD1806A、KXJD1841A)。
关键词
林权抵押贷款
合作社
博弈分析
福林贷
forestry property rights mortgages
cooperative
game analysis
Fulin Loan
