| 交易成本视角下对林权抵押贷款模式探析 |
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| 作者姓名： | 范刘珊 |
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| 作者单位： | 福州外语外贸学院350202 |
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| 摘 要： | 基于交易成本视角分析不确定性是正规金融制度安排下农户林权抵押贷款高交易成
本产生的原因。而金融联结通过融合正规金融机构的资金规模优势和乡村中介组织的地方信
息的优势、担保优势、交易成本的优势互补而得以将金融机构贷款有效投入到农村市场。因此，
通过金融联结的农村信贷制度的创新林权抵押贷款模式，形成有效的治理结构来降低林权抵押
贷款的交易费用，进而缓解林农的信贷约束。这对于推动林权制度改革, 促进我国林业产业的
可持续发展是具有极其深远的意义。
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| 关 键 词： | 交易成本 金融联结 林权抵押贷款 乡村中介组织 |
Analysis of Forest Right Mortgage Loan Model from the Perspective of
Transaction Cost |
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| Authors: | Fan Liushan |
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| Institution: | Fuzhou University of International Studies and Trade 350202 |
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| Abstract: | The analysis of uncertainty based on transaction cost is the reason of high transaction cost of
farmers' forest right mortgage loan under the arrangement of formal financial system.By integrating the
capital scale advantages of formal financial institutions with the complementary advantages of local infor?
mation, guarantee advantages and transaction costs of rural intermediary organizations, financial linkage
can effectively invest the loans of financial institutions into the rural market.Therefore, thus easing the
credit constraint of forest farmers.It is of far-reaching significance to promote the reform of forest right
system and promote the sustainable development of forestry industry in China. |
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| Keywords: | transaction cost financial linkage forest right mortgage loan rural intermediary organization |
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