發(fā)布時間：2018-06-04 15:34

  本文選題：林權(quán) + 抵押貸款�。� 參考：《浙江農(nóng)林大學》2014年碩士論文

【摘要】：南方集體林權(quán)制度改革后，林權(quán)證成為林農(nóng)擁有林權(quán)的合法憑證，林權(quán)抵押貸款業(yè)務迅速發(fā)展，有效破解了林業(yè)融資難題，激發(fā)了廣大林農(nóng)從事林業(yè)生產(chǎn)的積極性，對于促進興林富民、保障林業(yè)可持續(xù)發(fā)展有著重要意義。本研究在梳理相關(guān)文獻的基礎(chǔ)上，開展實地調(diào)研，收集二手資料，采訪關(guān)鍵信息人，運用描述分析法和案例研究法分析浙江省林權(quán)抵押貸款風險，主要結(jié)論和政策建議如下： （1）林權(quán)制度改革背景下，浙江省林權(quán)抵押貸款發(fā)展迅速，業(yè)務規(guī)模連續(xù)多年快速增長。當前最主要的三種貸款模式是林權(quán)直接抵押貸款、林農(nóng)小額循環(huán)貸款和林權(quán)抵押擔保貸款。 （2）林權(quán)抵押貸款規(guī)模最大的金融機構(gòu)是浙江省農(nóng)村信用社聯(lián)合社，不良貸款率呈現(xiàn)出逐年增長的趨勢，但遠低于同期全國和全省商業(yè)銀行不良貸款率，風險處于可控范圍。麗水市、衢州市和杭州市是3個林權(quán)抵押貸款業(yè)務集中的地級市，不良貸款率均低于0.35%，表明總體上浙江省林權(quán)抵押貸款風險不高。 （3）林權(quán)抵押貸款風險主要包括抵押物風險、借款人風險、金融機構(gòu)和宏觀環(huán)境風險。典型林權(quán)抵押貸款違約案例分析表明，浙江省林權(quán)抵押貸款信貸風險主要來自三個方面：一是抵押物的價值評估風險、管理風險和處置風險；二是借款人信用風險；三是金融機構(gòu)缺乏業(yè)務經(jīng)驗。 （4）基于上述研究結(jié)論，提出如下政策建議：健全林權(quán)評估機制，降低抵押物估值風險；完善林權(quán)交易市場，減少抵押物處置風險；完善農(nóng)村信用體系，控制借款人風險；加強銀行內(nèi)部管理，防范金融機構(gòu)風險；建立健全風險防范和補償機制，多方協(xié)作共防風險。
[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.
【學位授予單位】：浙江農(nóng)林大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F326.2;F832.4

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本文編號：1977897