中国集体林权改革背景下林业专业合作经济组织林权抵押贷款研究--以三明市永安县洪田村合作林场为例  

Research on the Forestry Rights Mortgage Loans in the Forestry Professional Cooperative Economic Organizations Under the Background of the Reform of Collective Forestry Property Rights in China——A Case of the Cooperative Forest Farm of Hongtian Village in Yong’an of Sanming City

作　　者：刘颖娴 陈秋华 李媛媛[2] 袁闽川 池玮琳[2] 刘睿姝 柯鑫 陈莹 薛隽怡 LIU Ying-xian;CHEN Qiu-hua;LI Yuan-yuan;YUAN Min-chuan;CHI Wei-lin;LIU Rui-shu;KE Xin;CHEN Ying;XUE Jun-yi(School of Management,Fujian Agriculture and Forestry Uninverstiy,Fuzhou,Fujian 350002,China;Fujian Branch of Postal Savings Bank of China,Fuzhou,Fujian 350001,China)

机构地区：[1]福建农林大学经济学院,福建福州350002 [2]福建农林大学管理学院,福建福州350002 [3]中国邮政储蓄银行福建省分行,福建福州350001

出　　处：《台湾农业探索》2020年第6期18-25,共8页Taiwan Agricultural Research

基　　金：福建农林大学经济学院农林经济管理流动站中国博士后项目(172573)。

摘　　要：【目的/意义】随着中国集体林权改革进程不断深入,林业专业合作经济组织林权抵押贷款问题日益突出,通过分析合作林场林权抵押贷款流程及其存在的问题,探索更有效的抵押模式,为其他地区提供借鉴。【方法/过程】以三明市永安县洪田村林业专业合作经济组织为例,运用文献法、案例研究法和访谈法等方法,研究其政策性信贷模式和商业性信贷模式,以及林权抵押贷款存在的问题。【结果/结论】发现三明市永安县洪田村林业专业合作林场存在林业合作组织的内融资功能未能发挥、农村专业性的金融合作组织缺失、政府扶持的激励作用不足、集体林权制度改革中未能确权到户的问题,并针对性地提出了充分发挥林业合作组织的内融资功能;推动建设以政府为主导的林权收储担保机构;规范完善林权担保收储流程;培育发展农村专业性的金融合作组织;创新政府扶持方式;继续深化推进集体林权制度改革等政策建议。【Objective/Meaning】With the deepening of the reform of collective forestry property rights in China,the problem of mortgage loans with forestry rights in the forestry professional cooperative economic organizations has become prominent.By analyzing the process and existing problems of mortgage loans with forestry rights in the cooperative forest farms,the more effective mortgage model was explored,thus to provide reference for other regions.【Methods/Procedures】By taking the forestry professional cooperative economic organizations of Hongtian Village in Yong’an of Sanming City as an example,its policy-based credit model and commercial credit model were studied by using the methods of literature review,case study,and interview,thus to further analyze the problems existing in the mortgage loans with forest rights in the cooperative forest farm of Yong’an in Sanming.【Results/Conclusions】The results showed that there were some existing problems,such as the failure of the internal financing function of forestry cooperative organizations,the lack of professional financial cooperative organizations in rural areas,the insufficient incentive function of government support,and the failure to confirm the rights to the households in the reform of collective forestry property right system.Therefore,the countermeasures were put forward including giving full play of the internal financing function of forestry cooperative organizations,promoting the construction of government-led forest tenure purchasing and storage guarantee institutions,standardizing and improving the processes of forest tenure guarantee purchasing and storage,cultivating and developing the rural professional financial cooperative organizations,innovating the way of government support,and continuing to deepen the reform of collective forestry property right system,etc.

关 键 词：集体林权制度改革 林权抵押贷款 产权经济学 金融合作组织 

分 类 号：F326.27[经济管理—产业经济] F832.43