林权抵押贷款风险防控研究

发布时间：2018-03-08 17:43

本文选题：林权制度　切入点：林权抵押贷款　出处：《华中科技大学》2012年硕士论文　论文类型：学位论文

【摘要】：改革开放以来，我国不断完善和深化的集体林权制度极大的鼓舞了林农的积极性和促进了林业经济的发展。但是，林业发展的同时，林业资金的供给不足也极大影响了林业的可持续发展。林权抵押贷款这一新型贷款模式的出现扩宽了林农资金的来源，有效的解决了林农融资难的问题。然而，，林业容易受自然灾害等不确定因素的影响，林木生产周期长，资金回收周转慢，资金的高投入、低收益使得林业的发展存在着一定程度的制约。另外，银行作为金融体系的主体，其信贷风险不仅会对银行自身产生影响，也会影响国家经济的平稳、可持续发展，还可能对社会的发展产生深远影响。因此，林权抵押贷款的风险管理的研究不仅具有重要的理论意义，同时也具有重要的现实意义。本文以产权理论、交易费用理论，制度变迁理论以及风险管理理论为依据，在总结归纳国内外学者关于林权抵押贷款方面研究的基础之上，结合我国现阶段林权抵押贷款发展现状，分析了林权抵押贷款过程中存在的风险以及风险形成的原因，并且提出了应对风险的措施。最后，本文以中国农业银行为案例进行分析，结合中国农业银行现阶段开展林权抵押贷款的现状，分析了中国农业银行内部存在的风险及应对措施，并对中国农业银行进行林权抵押贷款风险管理过程中存在的问题提供风险防范建议。
[Abstract]:Since the reform and opening up, China continues to improve and deepen the system of collective forest rights greatly encouraged by the enthusiasm of farmers and promote the development of forestry economy. However, the development of forestry and forestry, lack of funds and also greatly affect the sustainable development of forestry. Forest right mortgage loan which is a new mode of expanding loans the source of their funds, effectively solve the problem of financing farmers. However, forestry vulnerable to natural disasters and other uncertain factors, forest production cycle is long, slow recovery of funds, high investment, low income makes the development of forestry has a certain degree of control. In addition, the bank as the main financial system, the credit risk will not only affect the bank itself, will also affect the national economy stable, sustainable development, may also have a profound impact on the development of the society. Therefore, the forest right The study of risk management of mortgage loan is not only of great theoretical significance, but also of important practical significance.
Based on the property rights theory, transaction cost theory, based on the theory of institutional change and the theory of risk management, summarized on the basis of domestic and foreign scholars on the study of forest right mortgage loan, according to the current situation of the development of forest right mortgage loan, analyzed the forest right mortgage loan risks in the process of formation and risk the reasons, and puts forward the measures to deal with risks. Finally, the Agricultural Bank of China for case analysis, combining with the current situation of the Agricultural Bank of China at this stage to carry out forest right mortgage loan, analyses the risk of internal China Agricultural Bank and the measures, and provide suggestions for risk prevention of Agricultural Bank of Chinese forest right mortgage the loan risk management problems in the process.

【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;F326.2

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