存在的问题林权抵押贷款风险控制难度大。一是金融机构缺乏对抵押林的有效监控,容易造成抵押物流失。林权虽然抵押给了金融机构,但林木的日常管护仍靠林权所有人,林木容易受到自然和人为不确定因素的影响,面对大而分散的林地面积,监控成本很高,金融机构 Existing problems Forest right mortgage risk control difficult. First, the lack of effective monitoring of the mortgage forest by financial institutions easily leads to the loss of collateral. Although the forest rights are mortgaged to financial institutions, the daily management and maintenance of trees still rely on the owners of forest rights. The forest trees are easily affected by natural and man-made uncertainties. In the face of large and scattered forest land, the monitoring cost is high. Financial institutions