乡村振兴背景下林权抵押贷款风险识别、评价及防控

Risk identification,evaluation and prevention and control of forestry rights mortgage loan under background of rural revitalization

林权抵押贷款是金融支持乡村振兴、扶持农村经济发展、实现广大农民脱贫致富的重要金融创新。首先,从林权抵押贷款相关主体的角度识别了林权抵押贷款的抵押物风险、信用违约风险、业务管理风险、法律和政策风险,并据此构建了涵盖5项一级指标与11项二级指标的林权抵押贷款风险评价指标体系;然后,对辽宁省进行实地调研并采用因子分析方法评价了辽宁省14个地级市的林权抵押贷款风险水平;最后,从健全林权价值评估体系、健全林权流转市场、规范信贷操作流程、构建抵押贷款担保体系以及建立抵押物收储机构这5个方面提出了防控林权抵押贷款风险的对策建议。这有助于识别、评价及防控我国林权抵押贷款的金融风险,充分发挥金融创新对乡村振兴的支持作用。

Forestry rights mortgage loan is an important financial innovation to support the rural revitalization,improve the rural economic development and realize the vast number of farmers to get rid of poverty.First of all,from the perspective of related subjects,this paper identifies the collateral risk,credit default risk,business management risk,legal and policy risk of forestry rights mortgage loan,and accordingly constructs a risk evaluation index system covering 5 first-level indexes and 11 second-level indexes.Next,we conducted field research in Liaoning province and used factor analysis method to evaluate the risk level of forestry rights mortgage loan in 14 prefecture-level cities in Liaoning Province.Finally,the paper puts forward countermeasures and suggestions for preventing and controlling the risk of forestry rights mortgage loan from five aspects;perfecting the forest right value evaluation system,perfecting the forest right circulation market,standardizing the credit operation process,constructing the mortgage loan guarantee system and establishing the mortgaged property collection and storage institution.This study is helpful to identify,evaluate and prevent the risks of forestry rights mortgage loan in China,so as to give full play to the role of finance in supporting the rural revitalization.