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针对我国林权抵押贷款业务发展过程,从博弈角度探讨商业银行林权抵押借贷双方存在的风险、分析了林权抵押、担保机制的形成过程与效果,建立林农或林业企业融资方与金融机构投资方之间的博弈行为模型,并得出贷款利息、抵押物的价值、信用机制是影响林权抵押借贷双方行为的重要影响因素,最后根据影响因素提出风险防范的有效措施。
In view of the development of the forest property mortgage loan business in our country, this paper explores the risks existing in both the loan and the mortgage of forestland property mortgagees from the perspective of gaming, analyzes the forming process and effect of forest property mortgage and guarantee mechanism, and establishes the investment of forest farmers or forestry enterprise financing parties and financial institutions And draws the loan interest, the value of mortgages, credit mechanism is an important factor that affects the behavior of the loan and the loan of forest right mortgage, and finally puts forward the effective measures of risk prevention according to the influencing factors.