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白山市森林资源十分丰富,林业在全市国民经济发展中有举足轻重的地位。目前,我国正在实施的林权制度改革,林权抵押贷款业务开始发展,但由于森林固有的弱质性使林权抵押贷款面临较大的风险,因此白山市在全省率先开办了“林木火灾保险+‘林富通’个人林权抵押贷款”组合业务,探索出一条“护林”、“惠民”、拓宽“三农”金融服务的新途径。
Baishan City, rich in forest resources, forestry in the city’s national economic development plays an decisive role. At present, the reform of the forest tenure right system in our country is taking place, and the forest property right mortgage loan business has started to develop. However, due to the inherent weakness of the forest, the forest tenure mortgage loan faces a greater risk. Therefore, Baishan City took the lead in opening up the “ Fire Insurance + ’Forest Fortune’ Personal Forest Property Mortgage Loans ”to explore a new way of“ protecting the forest ”,“ benefiting the people ”and broadening the“ three rural ”financial services.