本土知识视阈下的农民林权抵押贷款实践.PDFVIP

No.8 2012 林业经济 FORESTRY ECONOMICS ·林权改革· 本土知识视阈下的农民林权抵押贷款实践 ——以浙江省Q 县L 乡为例 1 2 程 玥 朱冬亮 （1厦门大学人文学院厦门361005；2厦门大学马克思主义学院厦门361005） 摘 要：调查发现：正式林权抵押贷款制度安排存在信息不对称、抵押林权处置难、借贷成本与风险大、非生 产性借贷居多和林业部门寻租等主要问题。而民间借贷吸纳本土知识，能够解决正式制度安排的上述缺陷， 但这一非正式制度安排却由于金融规制不健全、地域性局限、政策性约束等不足，实际处于“地下”运作状态， 导致农民无论向信用社，还是通过民间渠道借贷都会受到诸多限制。鉴于本土知识和林权抵押贷款的密切 关系，应把本土知识与民间借贷机制包容到已有政策中，以充分发挥制度实施效力。 关键词：本土知识；林权抵押贷款；制度安排 中图分类号：F326.22 文献标识码：A 文章编号：1673-338X（2012）08-0013-06 The Practice of Loan on Mortgage of Forest Ownership in Rural Area with Indigenous Knowledge ——A Case of L Town, Q County of Zhejiang Province Cheng Yue1 Zhu Dongliang2 （1 School of Humanities, Xiamen University, Xiamen 361005; 2 School of Marxism, Xiamen University, Xiamen 361005 ） Abstract: This analysis is based on field survey and interview in a town of Zhejiang Province. The result shows that formal system arrangement of loan on mortgage of forest ownership has five problems like informational asym⁃ metry, difficult to deal with mortgaged forest ownership, high cost and risk, nonproductive loan and rent-seeking of forestry department. But private lending absorbs indigenous knowledge, could overcome five defects in formal system arrangement. However, there are also objective defects in private lending, it includes incomplete financial regulations, serious geographical limitations and policy restriction, etc. Actually, private lending has been in a un