本文選題：林權(quán) + 抵押貸款　； 參考：《浙江農(nóng)林大學(xué)》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(wù)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(duì)于促進(jìn)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(xiàn)的基礎(chǔ)上，開(kāi)展實(shí)地調(diào)研，收集二手資料，采訪(fǎng)關(guān)鍵信息人，運(yùn)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(fēng)險(xiǎn)，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(wù)規(guī)模連續(xù)多年快速增長(zhǎng)。當(dāng)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(dān)保貸款。 （2）林權(quán)抵押貸款規(guī)模最大的金融機(jī)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(zhǎng)的趨勢(shì)，但遠(yuǎn)低于同期全國(guó)和全省商業(yè)銀行不良貸款率，風(fēng)險(xiǎn)處于可控范圍。麗水市、衢州市和杭州市是3個(gè)林權(quán)抵押貸款業(yè)務(wù)集中的地級(jí)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(fēng)險(xiǎn)不高。 （3）林權(quán)抵押貸款風(fēng)險(xiǎn)主要包括抵押物風(fēng)險(xiǎn)、借款人風(fēng)險(xiǎn)、金融機(jī)構(gòu)和宏觀(guān)環(huán)境風(fēng)險(xiǎn)。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(fēng)險(xiǎn)主要來(lái)自三個(gè)方面：一是抵押物的價(jià)值評(píng)估風(fēng)險(xiǎn)、管理風(fēng)險(xiǎn)和處置風(fēng)險(xiǎn)；二是借款人信用風(fēng)險(xiǎn)；三是金融機(jī)構(gòu)缺乏業(yè)務(wù)經(jīng)驗(yàn)。 （4）基于上述研究結(jié)論，提出如下政策建議：健全林權(quán)評(píng)估機(jī)制，降低抵押物估值風(fēng)險(xiǎn)；完善林權(quán)交易市場(chǎng)，減少抵押物處置風(fēng)險(xiǎn)；完善農(nóng)村信用體系，控制借款人風(fēng)險(xiǎn)；加強(qiáng)銀行內(nèi)部管理，防范金融機(jī)構(gòu)風(fēng)險(xiǎn)；建立健全風(fēng)險(xiǎn)防范和補(bǔ)償機(jī)制，多方協(xié)作共防風(fēng)險(xiǎn)。
[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(xué)位授予單位】：浙江農(nóng)林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F326.2;F832.4

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