中文摘要：

基于南方集体林区5省1496户样本农户数据，运用Logit模型估计林权抵押贷款政策对农户借贷需求行为差异的影响进行分析。结果表明，农户家庭拥有林权证、农户家庭林地流转行为、农户家庭是否会利用林权证作为抵押物获得贷款、政府财政贴息政策等，对农户借贷需求行为均有显著的正影响。而林权证的所有者归属对农户借贷需求行为有显著的负影响。

英文摘要：

Based on a set of survery data of 1496 farmers in 6 provinces, this paper analyzed the influencing factors about demand behavior of determinants of peasant households between forest property collateral loans. The results showed that： forest property right, forestland transferring, will of peasant households for forest property collat- eral loan, interest payments for peasant households have obviously positive influence on farmers＇ demand behavior. However the owners of forest property rights have obviously negative influence on farmers＇ demand behavior.