论文部分内容阅读
小额林权抵押贷款的研究对有效解决林农资金缺口、提高林农收入、调整林业产业结构和规模化经营、制订科学的林业公共政策具有重要的现实意义。基于政策视角,对林农林权抵押贷款的申请范围和用途,贷款利率和期限,抵押物评估、管理和处置,以及森林资源资产保险进行政策特征分析。通过浙江、福建410份林农的问卷调查,认为林农贷款需求旺盛但林权融资渠道窄且小额林权抵押贷款比例低,林农小额抵押贷款额度低、无循环且期限短,贷款拖欠率低但抵押物处置困难,森林险种单一、保费过高且索赔困难。由于农村小额林权抵押贷款自身的弱质性特征,其执行机构复杂,工作效率低,且政策本身的限制以及信息不对称,导致政策实施低效。从而提出完善贷款的政策性建议。
The research of small-sum forest right mortgage loan has important practical significance to solve the forest fund gap effectively, increase the income of forest farmers, adjust the forestry industry structure and scale management, and formulate a scientific forestry public policy. Based on the policy perspective, this paper analyzes the policy features of the scope and use of forest farmers’ rights-of-forest loans, loan interest rates and deadlines, mortgage assessment, management and disposal, and forest resource assets insurance. According to the questionnaire survey of 410 farmers in Zhejiang and Fujian, the demand for forestry loans is high, but the financing channels of forest rights are narrow and the proportion of small-value forest mortgage loans is low. The forest farmers have low microloan loans, no circulation, short deadline and low loan delinquency rates However, the collateral disposal difficulties, a single forest insurance, high premiums and claims difficult. Due to the weak nature of the rural small-sum forest-property right mortgage loan, its implementing agencies are complex, inefficient, and the policy itself is limited as well as information asymmetry, resulting in the inefficient implementation of the policy. Thus put forward to improve the loan policy recommendations.