林业收储在林权抵押贷款信用风险控制中作用研究  

Research on the Function of Forestry Storage in Credit Risk Control for Forestry Right Mortgage Loan

作　　者：张兰花[1] 许接眉 

机构地区：[1]福建师范大学福清分校金融投资研究中心,福建福清350300 [2]永安市林业局,福建永安366000

出　　处：《林业经济问题》2016年第2期139-142,共4页Issues of Forestry Economics

基　　金：福建省社会科学规划项目(2014B194);福建省教育厅B类省教育科研项目(JB13289S)

摘　　要：研究采用担保理论,通过实地考察福建省林业收储运作情况获取资料,基于控制林权抵押贷款信用风险的视角研究林业收储的作用;指出林权是林权抵押贷款关键的信用风险因素,但是,存在安全性与流动性风险等问题;介绍了林业收储运作流程并讨论了林业收储控制林权抵押贷款信用风险的路径,认为林业收储降低了抵押林权的真实性与变现性风险;指出林业收储存在过于依赖财政拨款、规模较小与缺乏合理的保值增值机制等局限性,林业收储无法从根本上化解林权抵押贷款中尚存在的抵押林权的安全性、流动性等风险;提出引入社会资本,建立政府财政收购机制,优化林权抵押贷款生态环境等建议。Using the guarantee theory,obtaining informations through on-the-spot investigation on the operation of forestry storage in Fujian,the research studies the function of forestry storage from the view of credit risk control for forestry right mortgage loan.This study pointed out that mortgaged forest right is the key credit risk factor of forestry right mortgage loan,and,still has some problems such as security and liquidity risk.The operation process of forestry storage and the path that the forestry storage controls the credit risk of forestry right mortgage loan are discussed.The article considers that forestry storage lowers the authenticity and liquidity risk on mortgaged forest right.The study indicates that they are some limitations in forestry storage,such as dependence too much on financial allocation,smaller amount and short of reasonable mechanism for preserving or increasing its value,and so on.Forestry storage cannot fundamentally resolve the safety,liquidity risk of which still exists in forestry right mortgage loan.Some advices are put forward,which are introducing social capital,establishing a mechanism of government finance acquisitions,and optimizing the ecological environment of forestry right mortgage loan.

关 键 词：林业收储 政府担保 林权抵押贷款 信用风险 风险控制 

分 类 号：F326.23[经济管理—产业经济]