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近年来,中央陆续出台政策,探索以集体林权改革推动森林资源资产化,并引导银行业金融机构通过林权抵押贷款的方式,逐步缓解“三农”发展的资金瓶颈。为了促进中央有关惠农、利民政策落到实处,本文结合陕西集体林权制度改革进程,以经济林分布较为集中的安康市、商洛市、汉中市三市集体林权抵押贷款业务试点情况为对象,在对相关政策法律适用、制度安排以及潜在风险进行分析的基础上,提出了完善集体林权抵押贷款业务的思考及建议。
In recent years, the Central Government has promulgated policies one after another to explore asset-based forest resource reform through collective forest rights reform, and to guide banking financial institutions to gradually alleviate the funding bottleneck in the development of agriculture, rural areas and farmers by way of forest property right mortgage loans. In order to promote the central government’s policy of benefiting farmers and benefiting the people, the reform of collective forest rights system in Shaanxi Province is taking into account the pilot projects of collective forest right mortgage loan business in three cities such as Ankang City, Shangluo City and Hanzhong City, , On the basis of the analysis of relevant policies and laws, institutional arrangements and potential risks, puts forward some suggestions and suggestions on improving the collective forest property mortgage loan business.