摘要:
近年来,作为集体林权改革的配套制度,林权抵押贷款得到了初步发展。同时,高风险性等原因制约了林权
抵押贷款在全国的推广。林权尚未成为一类被广泛接受的抵押品。以贷款流程为主线,结合云南等地林权抵押贷
款风险状况的调查数据,分析了目前林权抵押贷款面临的法律风险、信用风险、抵押林权风险3 大风险问题,并提
出了相应的解决方案和政策建议。通过优化制度设计和金融创新,合理界定林权的可抵押范围,建立审慎有效的
信用风险管理程序,完善林权抵押评估、贷后管理、信息共享和交易流转机制、森林保险和风险补偿机制,可以有效
控制信贷风险,实现林业和金融的持续协调发展。
Abstract:
Recently, forest tenure rights mortgage loan has achieved preliminary development as the
supporting system of collective forest tenure rights system reform. Meanwhile, factors such as the high
risk have restricted its promotion throughout the country and forest tenure rights has not become a widely-
accepted collateral yet. Based on the loan process and survey data of risk status in Yunnan, this paper
analyzes three main risks of forest tenure rights mortgage loan, namely the legal risk, the credit risk and
the risk of taking forestr property rights as the collateral, and proposes corresponding solutions and policy
recommendations. The paper argues that by optimizing the design of the system and financial innovation,
defining the scope of forest tenure rights mortgage appropriately, establishing a prudent and effective risk
management mechanism, and improving the system of forest tenure rights mortgage assessment, post-loan
management, information sharing and transaction as well as the system of forest insurance and risk
compensation mechanism, we can effectively control the credit risk, and achieve sustained and
coordinated development of forestry and finance.
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