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介绍了辽宁宽甸农村信用联社在全省率先开办林权抵押贷款业务的历程与效果,并对存在问题进行了思考。截至2007年6月末,发放林权抵押贷款1800万元,实现了自身业务发展增效,农户的实惠,生态等得保护的多赢目标。其抵押贷款实践表明:农户需求呼唤更多贷款品种,林权改革催生林权抵押贷款,政府为林权抵押贷款创造了条件。
Introduced the history and effect of Liaoning Kuandian Rural Credit Cooperatives taking the lead in establishing the forest property right mortgage loan business in the province, and gave some considerations to the existing problems. As of the end of June 2007, the forest right mortgage loan of 18 million yuan was issued, achieving the goal of win-win for its business development and efficiency, farmers’ benefits and ecological protection. The mortgage loan practice shows that the demand of peasants calls for more varieties of loans, the reform of forest rights has given birth to forest-backed mortgages, and the government has created the conditions for forest-based mortgage loans.