林权抵押贷款风险防范问题探讨——以辽宁省岫岩满族自治县为例

Discussion on Risk Control of Forest Right Mortgage Loan——A case study of Xiuyan manchu autonomous county in Liaoning province

结合辽宁省岫岩县林权抵押贷款实施情况,对林权抵押贷款风险因素进行归纳分析的结果表明:林权抵押贷款作为创新型金融业务,面临着法律风险、市场风险、流动性风险、信用风险、操作风险等;并为此提出了审慎法律风险、抵御市场风险、降低流动性风险、把控信用风险、控制与缓释操作风险、注重战略风险等风险防范建议。

In the process of operating the mortgage with forest,there are still troubles like monopoly of property assessment institute for forest rights,the assessment techniques and standard in question,bad coordination between banks and property assessment institute,the minor influence of publicity,the lack of peasants＇ awareness of integrity and so on.Those have not only led to the great risk for the recovery of the loan,but also restricted the development of mortgage with the forest.Taking a example of Xiuyan country and analyzing its risk factors related to forest property collateral loan and comparing the different models of the mortgage with forest right,the author tries to carry out the better recommendations for the risk control of forest property collateral loan.