%0 Journal Article %T 林农小额林权抵押贷款的SWOT战略――以福建、浙江410份林农调查问卷为例<br>SWOT Analysis on the Small Forest Right Mortgage of Rural Household――Based on 410 Questionnaires in Fujian & Zhejiang Provinces %A 周莉 %A 苏宁 %A 安蓉 %A 谢梦娜 %J 西北林学院学报 %D 2015 %R doi:10.3969/j.issn.1001-7461.2015.04.52 %X 小额林权抵押贷款的研究对有效解决林农资金缺口、提高林农收入、发展林业产业、制订科学的林业公共政策具有重要现实意义。基于福建省和浙江省410户农户的调查问卷,以农户和政策性战略为视角,应用SWOT分析法,对林农小额林权抵押贷款的外部机会与威胁、内部优势与劣势系统予以分析。结果表明,该贷款业务处于有利的政策和经济环境;而贷款涉及机构多、手续复杂,金融机构贷款供给不足,贷款融资方式单一且期限短、利率高,抵押物保险险种单一,保费高且索赔困难,以及抵押物处置困难等内部不利条件,限制了该贷款的发展。由此,林农小额林权抵押贷款处于WO组合,应采用先稳定后发展的战略,最后提出具体制度性建议。<br>Researches on small forestry property rights mortgage is of significance for solving farmers′ financing demands, increasing their incomes, improving forestry development, making scientific forestry public policies. Viewing on rural household and policy strategy, applying SWOT method, this paper analyzed strategy of small forest property right mortgage. Based 410 questionnaires from rural households in Fujian & Jiangxi, opportunity and threat around its surrounding, and internal strength and weakness were deeply analyzed. It was found that the current government policies and environment were favorable to conduct the mortgage business. However it still had a lot of limits when households applied for the mortgage, including complex procedures with many institutes, insufficient amount from the bank, limited financing channels, short loan term, higher interests, lack of forest insurance produce and its high cost and hard to claim for compensation. WO strategy was put forward: the mortgage should be stabilized first, and then to be developed. Some suggestions were given %K SWOT分析法 %K 林权 %K 小额林权抵押贷款< %K br> %K SWOT analysis %K forestry property right %K small forestry property right mortgage %U http://xblxb.paperopen.com/oa/darticle.aspx?type=view&id=201504052