H银行林权抵押信贷业务模式及优化

发布时间：2018-03-05 10:16

本文选题：林权　切入点：抵押贷款　出处：《中国海洋大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着2003年我国第三次林权制度改革以来,林权制度实现了清晰化,并围绕林权建立了较为完善的法律规定,给我国林业经济的发展带来了前所未有的机遇。越来越多的企业家、创业者、原先的农户甚至是普通百姓投身到林业经济产业发展当中,以争取创造更大的经济价值。但林业相对于其他各行业有着其自身的特殊性：发展周期长、经济效益见效缓慢、资金需求量大、受自然环境影响大,这使得林业企业从商业银行获得贷款的可能性远远低于其他行业的企业。资金不足的问题制约着林业企业的发展,怎样在现行法律法规以及自身内控管理制度的约束下,为林业企业提供足够金额的贷款支持,已成为各家商业银行研究的热点。H银行是一家未上市的股份制商业银行,面对日益激烈的市场竞争,H银行将发展林业企业信贷工作作为重点发展的特色业务。伴随着国家第三次林权改革,林权制度实现清晰化,林权抵押贷款作为H银行的一种新颖的信贷产品,为林业企业提供了资金支持。经过一段时间业务试点,H银行发现该业务要面临林业企业自身经营周期长,我国林权抵押的操作管理制度不完善、评估依据不健全,林权处置困难等问题,单一的林权抵押业务模式已不能满足H银行的业务发展要求。因此在林权抵押贷款基础上进行模式优化,发展适应市场需求的林权抵押信贷业务模式,并在此基础上针对不同客户进行优化与选择,在控制信贷风险的基础上,支持林业企业发展,是一个实际而重要的研究课题。通过对H银行林权抵押贷款业务的实地调研,本文对其林权抵押贷款中存在的问题进行了剖析,并结合其他信贷产品发展的先进经验,提出了H银行林权抵押信贷业务模式优化的实践应用策略。本文首先介绍H银行林权抵押贷款业务的现状,详细介绍了H银行林权抵押贷款管理模式、业务流程,分析了H银行林权抵押贷款业务中产生的问题。其次,本文论述了林权抵押贷款业务模式优化的原则和思路,并针对H银行林权抵押贷款的实际情况设计优化方案。最后,论述如何保障H银行林权抵押贷款模式优化方案的实施,论述H银行林权抵押贷款优化方案的提高与改进。在未来一段时期内,我国林业企业的信贷需求仍将十分旺盛,林权抵押信贷模式的优化是林权抵押贷款业务持续发展的保证。本文旨在从实践的角度出发,通过研究林权抵押信贷模式,提升H银行信贷业务的竞争力,为H银行的发展提供新的动力。
[Abstract]:With the third reform of forest right system in 2003, the forest right system has been made clear, and a relatively perfect legal regulation has been established around it, which has brought unprecedented opportunities to the development of forestry economy in our country. Entrepreneurs, farmers and even ordinary people have thrown themselves into the development of forestry economic industry in order to create greater economic value. But forestry has its own particularity compared with other industries: the development cycle is long, The economic benefits are slow, the demand for funds is large, and the natural environment influences the forestry enterprises, which makes the possibility of forestry enterprises to obtain loans from commercial banks is far lower than that of enterprises in other industries. The problem of insufficient funds restricts the development of forestry enterprises. How to provide sufficient loan support for forestry enterprises under the constraints of current laws and regulations and internal control management system has become a hot topic of various commercial banks. H Bank is an unlisted joint-stock commercial bank. In the face of the increasingly fierce market competition, the Bank regards developing the credit work of forestry enterprises as the characteristic business of key development. With the third national forest property right reform, the forest property right system becomes clear. As a novel credit product of H Bank, Forest right Mortgage loan provides financial support for forestry enterprises. The operation and management system of forest right mortgage in our country is not perfect, the evaluation basis is not perfect, the forest property right disposal is difficult, and so on. The single forest right mortgage business model can no longer meet the business development requirements of H bank. Therefore, the mode optimization is carried out on the basis of forest right mortgage loan to develop the forest right mortgage credit business model to meet the needs of the market. On this basis, it is a practical and important research topic to optimize and select different customers and support the development of forestry enterprises on the basis of controlling credit risk. This paper analyzes the problems existing in forest right mortgage loan, and combines the advanced experience of other credit products development. This paper first introduces the present situation of H bank forest right mortgage loan business, introduces the management mode and business process of H bank forest right mortgage loan in detail, and puts forward the practical application strategy of H bank forest right mortgage credit business model optimization. This paper analyzes the problems arising in H Bank's forest property mortgage loan business. Secondly, this paper discusses the principles and ideas of forest right mortgage loan business model optimization, and designs the optimization scheme according to the actual situation of H bank forest right mortgage loan. This paper discusses how to ensure the implementation of the optimization scheme of forest right mortgage loan in H Bank, and discusses the improvement and improvement of the optimization scheme of forest right mortgage loan in H Bank. In the future, the credit demand of forestry enterprises in our country will still be very strong. The optimization of forest right mortgage credit mode is the guarantee of the sustainable development of forest right mortgage loan business. This paper aims at improving the competitiveness of H bank credit business by studying forest right mortgage credit mode from the perspective of practice. To provide a new impetus for the development of H Bank.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F326.2;F832.43

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