论我国林权流转制度的不足与完善——以恶意收购林权证贷款不还现象为例

The Deficiency of Forestry-property-rights-circulation Legal System——Based on cheating on loans by forest certification in rural area

近年来,一些不法企业在我国云南、四川等贫困林区利用林权流转法律不完善、林农法律意识淡薄、林权流转监督机制存在漏洞等,从林农手中低价收取林权证,再将这些林权证抵押至银行进行贷款,套取巨额资金。这些企业基本上到期不还贷款,而最后承担损失的却是林农。这种恶意收购林权证贷款不还的现象不仅背离了国家将林权交到林农手中的初衷,使林农的利益受到侵害,更会危害林权制度改革、危害金融安全。为了防范林农和国家利益继续遭受损失,相关部门应强化基层组织的队伍建设,提升林农自身的素质,同时需要政府、林农和金融机构等多方的相互协调和助力,也需要立法部门完善林权流转立法、相关部门完善相应的配套制度等,为林权抵押贷款中林农权益的保障扫除障碍。

In recent years,some fraud using forest certification happens in rural place. Fraud corporations buy forest certifications from farmers in a price which is much lower than the market price. Then,they pledge those certifications to banks to get a large loan.This research will focus on how to solve this problem through legal way to make sure farmers’legal profits safe and sound.