林权是农民一项重要的财产权,林权的抵押、流转是增加农民财产性收入的重要渠道。林权作为银行融资风险缓释手段,在抵押物权的完整性、流动性、价值稳定性、管理复杂性、融资便利性等方面具有特殊性,单纯依靠市场化运作有明显缺陷,监管政策应坚持支持培育和审慎发展并重的原则 Forest tenure is an important peasant property right. Mortgage and circulation of forest tenure is an important channel to increase the peasant’s property income. As a means to slow down the risk of bank financing, forest tenure has particularity in the integrity, liquidity, value stability, complexity of management and financing convenience of mortgaged property rights. There are obvious defects in relying solely on market-oriented operation and regulatory policies should Adhere to the principle of equal emphasis on nurturing and prudent development