中文摘要：

以浙江省庆元县2010—2013年林权抵押贷款数据为基础,结合实地调查,重点分析了庆元县2010—2013年4年间林权抵押贷款数量变化,金融机构的性质、参与度及贷款数据结构;农户贷款用途、年龄等个人特征对抵押贷款行为的影响。结果表明：林权抵押贷款的主要参与金融机构以政策性金融为主,参与信贷行为农户的年龄集中在35~55岁之间、贷款的用途对林农的信贷行为产生显著影响。

英文摘要：

Based on forest right mortgage related data of Qingyuan in Zhejiang province from 2010 to 2013 and combined with field investigation, this paper analyzed the loan quantity change in four years, the nature of the financial institution＇ s,the degree of financial institutions participation and data structure of the loan, the selection of different forms of mortgage loan, the farmers＇ personal characteristics. The research showed that the mainly involved financial institution is given priority to the finance with policy support, the age of farmers participated in loan behavior is between 35 and 55 years old, the uses of the loans have a significant impact on forest farmers＇ behavior for loans. Suggestions are made to further promote lending practices.