论文部分内容阅读
针对林权抵押贷款的现状进行剖析,指出林权抵押贷款陷入困境的原因在于政府政策在前行,立法修法未跟进;司法介入不积极,抵押物权处置难;金融机构较势利,小户利益难惠及;评估机构有缺位,评估结论欠客观;利率评估成本高,农户难得真实惠;生态保护日趋大,抵押权人风险增;农户诚信有缺憾,履约观念待加强。建议:加快立法修法速度,确保审判有法可依;机构设置须加规范,市场运作客观公正;扩大社会担保主体,继续推进林权抵押;金融机构多让利,支持“三农”实现双赢;鼓励吸引民间资本,破金融垄断格局等。
According to the analysis of the status quo of the forest-property mortgage loan, it is pointed out that the reason why the forest-property mortgage loan is in the predicament lies in the fact that the government policy is going forward and the legislative revision is not followed up; the judicial intervention is not active and the mortgage property disposal is difficult; The benefits are not beneficiary and the assessment agencies are lacking; the assessment conclusion is not objective; the interest rate assessment is costly and the peasants are rare and genuinely beneficial; the ecological protection is becoming increasingly large; the mortgagee’s risk is increasing; the peasants’ honesty and flaw are lacking and the concept of compliance is to be strengthened. Suggestions: speed up the speed of legislative revision, ensure that there is law to be followed; establish institutional arrangements to be standardized and objective and fair in market operation; expand the main body of social guarantees and continue to promote forest property mortgage; and let financial institutions give more profits and support “three rural issues” to achieve a win-win situation Encourage the attraction of private capital and financial monopoly.