政府主管部门职能转换相对滞后,对乡村林业经营缺乏规范和指导;中介服务不到位、体系不健全。一是由于林木培育周期较长,面临着市场和自然灾害等多重风险,加之我国政策性银行业务范围狭窄,商业化运作日益强化,对林业的惜贷现象非常普遍。而且对林农小项目的小额贷款和中长 The transformation of the functions of government departments is lagging behind, lack of norms and guidance for the rural forestry management; intermediary services are not in place, the system is not perfect. First, due to the long incubation period of forest trees and the multiple risks of market and natural disasters, combined with the narrow scope of our policy-based banking business and the increasingly commercialization operation, the phenomenon of looting loans to forestry is very common. But also small loans and long-term loans to small-scale forest farmers