云南省林权抵押贷款制度现状及其完善对策  

Status and Improving Measures of Forest Ownership Mortgage loan System in Yunnan

作　　者：苏倪[1] 

机构地区：[1]昆明理工大学法学院,云南昆明650093

出　　处：《林业调查规划》2012年第1期57-61,共5页Forest Inventory and Planning

基　　金：云南省教育厅科研基金项目<云南省集体林权制度改革法律问题研究>

摘　　要：阐述林权抵押贷款概念及其法律依据以及云南省近年来开展林权抵押贷款基本情况.分析其中存在着金融机构由于担心自然灾害导致林权抵押灭失而使贷款风险升高,不愿开展贷款业务,林权抵押实现有一定难度,贷款数额较小等问题.藉此,提出了借鉴国外森林保险立法经验,降低和转移林权抵押贷款风险;利用反担保制度解决林农林权抵押贷款难;组建林业担保公司等对策或建议.This paper describes the concept of forest ownership mortgage loan and its legal basis as well as the basic situation of Yunnan Province forest right mortgage loan system in recent years.Existed problems i.e.,a certain degree of difficulty to achieve forest right mortgage loan or the small amount of the loan due to financial institutions do not want to carry out loan business for fears of natural disasters lead to lost in the forest right mortgage loan and to elevate risk.In this way,to draw on the legislative experience of foreign forest insurance,to reduce and transfer forest rights mortgage loan risk;using counter-guarantee system to solve difficulty of forest ownership mortgage loan;to built forestry guarantee Corporation etc,recommendations have been carried out.

关 键 词：林权抵押贷款 森林保险 反担保制度 抵押物处置 集体林权制度改革 云南省 

分 类 号：F326.22[经济管理—产业经济] F830.58