浙江省林权抵押贷款风险及防范策略研究

Research on Forest Tenure Mortgage Loan Risk and Prevention Strategies in Zhejiang Province

林权抵押贷款作为金融信贷产品创新和林业深化改革的重要内容,已经成为扩大林业生产资金供给的重要工具。文章对浙江省林权抵押贷款发展过程中存在的融资风险及形成机理进行研究和分析,并从银行和政府角度提出了风险防范策略。研究显示,浙江省林权抵押贷款面临着林权抵押物产权风险、管理风险、流动风险、违约风险、操作风险。针对风险,银行应该坚持林权抵押贷款全过程管理,建立健全信用评级制度、信息管理系统,并加强与政府和保险机构合作,不断完善森林资源资产评估机制;政府应该不断健全林权流转市场,建立多元化担保机制,完善森林保险制度和风险补偿机制。

As a financial credit product innovation and an important content of deepening forestry reform,forest tenure mortgage loan has become an important measure of expanding forestry production capital supply.This paper took Zhejiang Province as the research object,analyzed the main risks of forest tenure mortgage loan,and discussed the countermeasures.Research showed that existing risks in Zhejiang forest right mortgage loan were the property right risk,management risk,flow risk,default risk,operation risk.Based on the analysis of the risks,this paper put forward the countermeasures:bank should operate whole-process management of forest tenure mortgage loans,establish and improve credit rating system and information management system,strengthen cooperation with governments and insurance institutions,and improve the forest resource asset assessment mechanism.The government should improve the forest tenure market,establish diversified guarantee mechanism,improve the forest insurance system and risk compensation mechanism.