福建省林权收储抵押担保制度的实施成效分析  

Analysis on Implementing Effectiveness of Forest Right Storage and Mortgage Guarantee in Fujian Province

作　　者：刘祖军 LIU Zujun(School of Economics and Management,Minjiang University,Fuzhou 350108,China)

机构地区：[1]闽江学院经济与管理学院

出　　处：《林业调查规划》2019年第4期157-161,共5页Forest Inventory and Planning

基　　金：闽江学院协同中心“农民合作社参与扶贫的路径、效果与支持政策研究”(XTZX18001)

摘　　要：实施林权收储担保既消除金融机构的放贷顾虑,促进林权抵押贷款业务顺利开展,又能保证林农增收增效与林区经济发展,有力助推林区的精准扶贫与乡村振兴。本文在介绍林权收储担保基本概念及其运行机制、运作流程的基础上,通过实地调研全面分析福建省林权收储担保制度建设的成效,包括降低抵押物保全与处置风险,降低抵押贷款的交易成本,降低林权抵押贷款利率及促进抵押贷款业务快速发展。针对林权收储担保制度实施过程中的问题,提出拓展林权可抵押范围,鼓励引导社会资本积极参与,进一步规范收储担保业务等建议。The implementation of forest right storage and mortgage guarantee not only eliminated the loan concerns of financial institutions to promote the development of forest right mortgage business,but also ensured the income increase of forestry farmers and the economic development of forest areas to effectively promote targeted poverty alleviation and rural revitalization.This paper introduced the basic concept and operation mechanism and process of forest right storage and mortgage guarantee,and analyzed the effectiveness of the system in Fujian Province based on the field investigation,including lowering the security and disposal risk of collateral,cutting down the transaction costs of mortgage,reducing the interest rate of forest right mortgage and accelerating the development of mortgage business.Some suggestions such as expanding the scope of mortgage,encouraging the active participation of social capital,and further standardizing the storage and guarantee business were put forward to solve the problems in the implementation of forest right storage and mortgage guarantee.

关 键 词：林权收储 抵押担保 贷款业务 资产保全 利率 福建省 

分 类 号：S750[农业科学—森林经理学] F326.22[农业科学—林学]