股份合作:林权抵押贷款的制度创新  

The Joint Stock Cooperative System:The Institution Innovation for Forest Right Mortgage Loan

作　　者：孙红[1] 张乐柱[1,2] 

机构地区：[1]华南农业大学经济管理学院,广州510642 [2]华南农业大学农村金融研究中心,广州510642

出　　处：《林业经济问题》2016年第2期133-138,共6页Issues of Forestry Economics

基　　金：国家社会科学基金资助项目(12BJY096);广东省林业科技计划项目(2015-02)

摘　　要：随着林权制度改革,林权抵押贷款为解决林业资本短缺提供了思路,但由于其普遍面临贷前林业价值估算成本高,贷中看护风险高,贷后清偿困难等约束,其发挥作用极为有限。通过建立股份合作制不仅可使林农生产经营聚集而产生规模经济效应,降低单位成本,而且可加大对林农还款约束,促成金融资源配置帕累托改进,进而发挥林权抵押贷款的金融杠杆作用。相比联合贷款,股份合作制具有贷款可获得性高,成本低,风险小,团体力量增强等优势,但也面临资金来源渠道匮乏,农村能人需求等困境。In the process of forest right mortgage loan,there are so many difficulties; however,by building the joint stock cooperative system,most of them can be solved.For the farmer,they can get the loan,and for the financial institution,their risk can be reduced,and their finance resources can be used in maximum.By comparing the joint stock cooperative system and other loan,it has been found that the joint stock cooperative system can help the farm get the loan more easily,help the financial institution reduce the risk,make the farm stronger and so on,but at the same time,it faces some difficulties,such as the lack of the fund recourse,the people of ability.

关 键 词：集体林权改革 林权抵押贷款 股份合作制 金融杠杆 单位成本 

分 类 号：F326.22[经济管理—产业经济]