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(一)农村信用社积极性不高。据调查,农村信用社并未将林权抵押贷款项目作为创新信贷产品进行大力推广,该项业务未引起重视。同时由于小额农贷属于信用贷款,不需要抵押担保、资产评估和保险,审批简易方便,使用范围广泛,加上当前小额农贷发放额度已扩大到5万元,林农更倾向于用小额农贷解决林业生产运营资金需要。
(A) the enthusiasm of rural credit cooperatives is not high. According to the survey, RCCs did not vigorously promote the forest property mortgage loan project as an innovative credit product, and the business has not drawn any attention. At the same time, because small-sum agricultural loans are credit loans, there is no need for mortgage guarantee, asset assessment and insurance. The examination and approval is simple and convenient and has a wide range of uses. With the current amount of small-sum agricultural loans extended to 50,000 yuan, foresters are more inclined to use small The amount of agricultural loans to solve the need for forestry production and operation funds.