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文章从贷款可得性和贷款利率两方面分析林权抵押贷款,分别运用进化博弈和不完美信息动态博弈模型;影响贷款可得性最重要的因素是抵押物——林权的变现能力,加强林权担保效力能够使贷款可得性趋于完全;影响贷款利率最重要的因素是借贷双方的信息不对称程度,在信息不对称消除前,存在合理利率决定机制使借贷双方都得益。
The paper analyzes the forest ownership mortgage loan from the two aspects of loan availability and loan interest rate, using evolutionary game and imperfect information dynamic game model respectively. The most important factor affecting the availability of loan is the collateral - The effectiveness of forest security guarantees the availability of loans tends to be complete; the most important factor affecting the lending rate is the degree of information asymmetry between the lenders and borrowers. Before the information asymmetry is eliminated, a reasonable interest rate determination mechanism benefits both lenders and borrowers.