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我国正在积极稳妥的推进以林权证为抵押的小额贷款业务。本文以陕西省、福建省和江西省的4个典型县调查为基础,对农村林权证小额抵押贷款进行探讨。本文对林权、林权农村小额贷款的概念予以了界定,并在分析总结林权农村小额贷款业务流程的基础上,对林权农村小额贷款的利益相关者进行辨析。对主要利益相关者,即政府机构、金融机构、林农、和森林资源资产评估机构存在的主要问题进行了深入的剖析。最后,针对问题提出相关解决策略,即:金融机构设计多模式的林业信贷产品,建立科学的内部控制制度;建立专业森林资源资产评估机构,设计科学的评估指标体系,对森林资源进行合理作价;建立健全制度性保障策略,发挥政府监管和引导作用。
Our country is actively and steadily pushing forward the microfinance business with the forest ownership certificate as the mortgage. Based on the investigation of four typical counties in Shaanxi Province, Fujian Province and Jiangxi Province, this paper discusses the small mortgage loan of rural forest tenure certificates. This paper defines the concepts of forest rights and forest rights rural microfinance and analyzes the stakeholders of forest rights rural microfinance on the basis of analyzing and summarizing the rural microfinance business processes. In-depth analysis of major problems existing in major stakeholders, namely, government agencies, financial institutions, forest farmers, and forest resource assets assessment agencies. Finally, we put forward some solutions to the problem, namely: financial institutions design multi-modal forestry credit products and set up scientific internal control system; set up specialized forest resources assets appraisal institutions, design scientific evaluation index system and make reasonable price for forest resources; Establish and improve the institutional support strategy, play the role of government regulation and guidance.