| 林权抵押贷款发展的制约因素与对策分析 |
| |
| 引用本文： | 林凤英.林权抵押贷款发展的制约因素与对策分析[J].福建林业科技,2012,39(2):164-167,172. |
| |
| 作者姓名： | 林凤英 |
| |
| 作者单位： | 福建省林业科学研究院,福建福州,350012 |
| |
| 摘 要： | 阐述了林权抵押贷款发展的现状及存在的问题;分析了森林资产变现风险、评估风险等因素对金融部门林权抵押贷款供给的制约作用,贷款期限过短、贷款费用偏高、贷款抵押率较低等因素对林业经营主体林权抵押贷款需求的抑制作用;从刺激金融部门供给与林业经营主体需求的角度提出了相应的建议,包括降低森林资产的变现风险与评估风险、合理调整贷款期限与贷款抵押率和降低贷款费用等。
|
| 关 键 词： | 林权抵押贷款 制约因素 对策 |
Analysis on the Restrictive Factors and Countermeasures of the Forestry Property Mortgage Loans Development |
| |
| LIN Feng-ying.Analysis on the Restrictive Factors and Countermeasures of the Forestry Property Mortgage Loans Development[J].Journal of Fujian Forestry Science and Technology,2012,39(2):164-167,172. |
| |
| Authors: | LIN Feng-ying |
| |
| Institution: | LIN Feng-ying(Fujian Academy of Forestry,Fuzhou 350012,Fujian,China) |
| |
| Abstract: | In the first place,this paper describes the current situation and the existing problems of the development in forestry property mortgage loans.Secondly,this paper analyses the restraining effects of the factors,to the supply of financial departments’ forestry property mortgage loans.Factors are forest assets liquidation risk,assessment risk,etc.Thirdly,it also analyses the restraining effects of the factors,which include the short loan periods,the high loan costs,the low mortgage rates and so on,to the demand of forestry business entities’ forestry property mortgage loans.Finally,the paper puts forward the corresponding recommendations from the perspectives of the stimulating to the financial departments’ supply and the forestry business entities’ demand which include reducing the liquidation risk and the assessment risk of the forest assets,adjusting the loan periods and the mortgage rates rationally,reducing the loan costs and so on. |
| |
| Keywords: | forestry property mortgage loan restrictive factor countermeasure |
| 本文献已被 CNKI 万方数据 等数据库收录！ |
|
