经验资本及林地规模对林农信贷的影响——来自集体林改试点省福建的调查
Effects of Experience Capital and Forestland Scale on Farmers’ Forestry Credit Availability——From Survey of Forest Farmers in Fujian Province

林农信贷可获程度低下已成为制约南方集体林区林业经济可持续发展的关键。基于福建林农调研数据，运用Double-Hurdle模型全面考察了经验资本及林地规模对林农信贷获得概率及获得规模的影响。研究结果表明：林农获得贷款难度仍然较大，样本农户中获得林业贷款的仅为29%；经验资本中，经商经历可以显著提高林农信贷获得概率，而林业经历和贷款经历能够显著提高林农贷款获得额度；林地规模不仅提高了林农贷款获得概率，还提高了林农贷款获得额度。因此，在集体林权制度改革深化阶段，要积极引导林农合作经营，鼓励农户联保贷款，加大金融机构支持力度，以提高林农信贷可获性。
Low degree of forestry credit availability has become the key issue to the sustainable development of forestry economy in southern China. Based on the farmer household data in Fujian Province, this paper used Double-Hurdle model to analyze the impact of experience capital and forestland scale on farmers’credit acquisition probability and amount. The results show that: it is still difficult for farmers to obtain forestry loans, only 29% of the farmers received forestry loans. Among the experience capital, business experience has a significant effect on the probability of farmers’ credit acquisition, while the forestry experience and loan experience have an important role in promoting the forest loan amount. And the forestland scale not only enhances the possibility of farmers to obtain forestry loans, but also to promote the amount of loans. Therefore, in the deepening stage of collective forestland tenure reform, we should actively guide farmers cooperating, encourage farmers using co-guarantee loan, and increase the support of financial institutions to improve the availability of forestry credit.