基于SWOT分析的林权抵押贷款现状研究——以福建省南平市建阳区为例

Research Status Of Forest Right Mortgage Based On SWOT Analysis——A Case Study in Jianyang District of Fujian Province

采用SWOT分析方法,对南平市建阳区林权抵押贷款3种主要模式进行优、劣势分析,结果表明:林业小额贴息贷款模式,农村信用社具有绝对优势,风险较小,并有很大拓展空间;持"林权证"直接向金融部门申请贷款模式,适合各类金融部门放贷,但存在一定放贷风险;林权反担保贷款模式适合各类金融部门放贷,风险较小,应积极鼓励和支持。同时,对防范和减少林权抵押贷款风险、促进各种模式抵押贷款健康发展提出了对策建议。

Adopted the SWOT analysis three main patterns of forest right mortgage in Jianyang, the advantages and disadvantages were proposed. The analysis shows that the rural credit cooperative is less risky which has the absolute advantage and a lot of expansible space on the basis of the forestry small sum sticks the interest loan. Using the forest right certificate to apply financial department for loan is suitable for lending, but there are certain risks. The counter guarantee loan of forest right is applicable to financial department lending, and this model is worth encouraging and supporting because it is less risky. Meanwhile, I put forward some suggestions in order to keep away the credit risk and the healthy development of various mortgage financing mode.