本文選題：林權(quán)　切入點(diǎn)：抵押貸款　出處：《中國海洋大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著2003年我國第三次林權(quán)制度改革以來,林權(quán)制度實(shí)現(xiàn)了清晰化,并圍繞林權(quán)建立了較為完善的法律規(guī)定,給我國林業(yè)經(jīng)濟(jì)的發(fā)展帶來了前所未有的機(jī)遇。越來越多的企業(yè)家、創(chuàng)業(yè)者、原先的農(nóng)戶甚至是普通百姓投身到林業(yè)經(jīng)濟(jì)產(chǎn)業(yè)發(fā)展當(dāng)中,以爭取創(chuàng)造更大的經(jīng)濟(jì)價(jià)值。但林業(yè)相對于其他各行業(yè)有著其自身的特殊性：發(fā)展周期長、經(jīng)濟(jì)效益見效緩慢、資金需求量大、受自然環(huán)境影響大,這使得林業(yè)企業(yè)從商業(yè)銀行獲得貸款的可能性遠(yuǎn)遠(yuǎn)低于其他行業(yè)的企業(yè)。資金不足的問題制約著林業(yè)企業(yè)的發(fā)展,怎樣在現(xiàn)行法律法規(guī)以及自身內(nèi)控管理制度的約束下,為林業(yè)企業(yè)提供足夠金額的貸款支持,已成為各家商業(yè)銀行研究的熱點(diǎn)。H銀行是一家未上市的股份制商業(yè)銀行,面對日益激烈的市場競爭,H銀行將發(fā)展林業(yè)企業(yè)信貸工作作為重點(diǎn)發(fā)展的特色業(yè)務(wù)。伴隨著國家第三次林權(quán)改革,林權(quán)制度實(shí)現(xiàn)清晰化,林權(quán)抵押貸款作為H銀行的一種新穎的信貸產(chǎn)品,為林業(yè)企業(yè)提供了資金支持。經(jīng)過一段時(shí)間業(yè)務(wù)試點(diǎn),H銀行發(fā)現(xiàn)該業(yè)務(wù)要面臨林業(yè)企業(yè)自身經(jīng)營周期長,我國林權(quán)抵押的操作管理制度不完善、評估依據(jù)不健全,林權(quán)處置困難等問題,單一的林權(quán)抵押業(yè)務(wù)模式已不能滿足H銀行的業(yè)務(wù)發(fā)展要求。因此在林權(quán)抵押貸款基礎(chǔ)上進(jìn)行模式優(yōu)化,發(fā)展適應(yīng)市場需求的林權(quán)抵押信貸業(yè)務(wù)模式,并在此基礎(chǔ)上針對不同客戶進(jìn)行優(yōu)化與選擇,在控制信貸風(fēng)險(xiǎn)的基礎(chǔ)上,支持林業(yè)企業(yè)發(fā)展,是一個(gè)實(shí)際而重要的研究課題。通過對H銀行林權(quán)抵押貸款業(yè)務(wù)的實(shí)地調(diào)研,本文對其林權(quán)抵押貸款中存在的問題進(jìn)行了剖析,并結(jié)合其他信貸產(chǎn)品發(fā)展的先進(jìn)經(jīng)驗(yàn),提出了H銀行林權(quán)抵押信貸業(yè)務(wù)模式優(yōu)化的實(shí)踐應(yīng)用策略。本文首先介紹H銀行林權(quán)抵押貸款業(yè)務(wù)的現(xiàn)狀,詳細(xì)介紹了H銀行林權(quán)抵押貸款管理模式、業(yè)務(wù)流程,分析了H銀行林權(quán)抵押貸款業(yè)務(wù)中產(chǎn)生的問題。其次,本文論述了林權(quán)抵押貸款業(yè)務(wù)模式優(yōu)化的原則和思路,并針對H銀行林權(quán)抵押貸款的實(shí)際情況設(shè)計(jì)優(yōu)化方案。最后,論述如何保障H銀行林權(quán)抵押貸款模式優(yōu)化方案的實(shí)施,論述H銀行林權(quán)抵押貸款優(yōu)化方案的提高與改進(jìn)。在未來一段時(shí)期內(nèi),我國林業(yè)企業(yè)的信貸需求仍將十分旺盛,林權(quán)抵押信貸模式的優(yōu)化是林權(quán)抵押貸款業(yè)務(wù)持續(xù)發(fā)展的保證。本文旨在從實(shí)踐的角度出發(fā),通過研究林權(quán)抵押信貸模式,提升H銀行信貸業(yè)務(wù)的競爭力,為H銀行的發(fā)展提供新的動力。
[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.
【學(xué)位授予單位】：中國海洋大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F326.2;F832.43

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