浙江省林权抵押贷款风险研究

发布时间：2018-06-04 15:34

本文选题：林权 + 抵押贷款　；参考：《浙江农林大学》2014年硕士论文

【摘要】：南方集体林权制度改革后，林权证成为林农拥有林权的合法凭证，林权抵押贷款业务迅速发展，有效破解了林业融资难题，激发了广大林农从事林业生产的积极性，对于促进兴林富民、保障林业可持续发展有着重要意义。本研究在梳理相关文献的基础上，开展实地调研，收集二手资料，采访关键信息人，运用描述分析法和案例研究法分析浙江省林权抵押贷款风险，主要结论和政策建议如下：（1）林权制度改革背景下，浙江省林权抵押贷款发展迅速，业务规模连续多年快速增长。当前最主要的三种贷款模式是林权直接抵押贷款、林农小额循环贷款和林权抵押担保贷款。（2）林权抵押贷款规模最大的金融机构是浙江省农村信用社联合社，不良贷款率呈现出逐年增长的趋势，但远低于同期全国和全省商业银行不良贷款率，风险处于可控范围。丽水市、衢州市和杭州市是3个林权抵押贷款业务集中的地级市，不良贷款率均低于0.35%，表明总体上浙江省林权抵押贷款风险不高。（3）林权抵押贷款风险主要包括抵押物风险、借款人风险、金融机构和宏观环境风险。典型林权抵押贷款违约案例分析表明，浙江省林权抵押贷款信贷风险主要来自三个方面：一是抵押物的价值评估风险、管理风险和处置风险；二是借款人信用风险；三是金融机构缺乏业务经验。（4）基于上述研究结论，提出如下政策建议：健全林权评估机制，降低抵押物估值风险；完善林权交易市场，减少抵押物处置风险；完善农村信用体系，控制借款人风险；加强银行内部管理，防范金融机构风险；建立健全风险防范和补偿机制，多方协作共防风险。
[Abstract]:After the reform of collective forest ownership system in southern China, forest tenure certificate became a legal certificate for forest farmers to own forest rights. The rapid development of forest property mortgage loan business effectively solved the difficult problem of forestry financing and stimulated the enthusiasm of the vast number of forest farmers to engage in forestry production. It is of great significance to promote the development of forest and to ensure the sustainable development of forestry. On the basis of combing relevant literature, this study carries out field research, collects second-hand data, interviews key information people, and analyzes the risk of forest tenure mortgage loan in Zhejiang Province by using descriptive analysis and case study. The main conclusions and policy recommendations are as follows: Under the background of forest property right system reform, the forest right mortgage loan in Zhejiang Province develops rapidly, and the business scale increases rapidly for many years. At present, the three main loan modes are forest right direct mortgage loan, forest agriculture small circulation loan and forest right mortgage guarantee loan. (2) the largest financial institution of forest right mortgage loan is Zhejiang Rural Credit Cooperatives United Cooperative. The non-performing loan rate shows an increasing trend year by year, but it is far lower than the non-performing loan rate of commercial banks in the same period and the risk is under control. Lishui City, Quzhou City and Hangzhou City are three prefecture-level cities with concentrated forest right mortgage loan business, and the non-performing loan rate is lower than 0.35, indicating that the risk of forest right mortgage loan in Zhejiang Province is not high. The risk of forest right mortgage mainly includes mortgage risk, borrower risk, financial institution and macro environmental risk. The analysis of typical forest right mortgage default cases shows that the credit risk of forest right mortgage loan in Zhejiang Province mainly comes from three aspects: the value assessment risk of mortgage, the risk of management and disposal, the credit risk of borrower; Third, financial institutions lack business experience. 4) based on the above conclusions, the following policy suggestions are put forward: perfecting the forest property right evaluation mechanism, reducing the risk of mortgage valuation, perfecting the forest right trading market, reducing the risk of mortgage disposal, perfecting the rural credit system, controlling the risk of the borrower; Strengthen the internal management of banks, guard against the risks of financial institutions, establish and improve the risk prevention and compensation mechanism, and cooperate with each other to prevent risks.
【学位授予单位】：浙江农林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F326.2;F832.4

【参考文献】