本文指出缺乏担保抵押物是制约“三农”间接融资的主要因素。借助农业银行广东省分行推行林权抵押贷款的案例分析,笔者认为在有条件的省份探索推广林权抵押贷款是缓解“三农”融资困境的一个有效方法。但从目前的探索看,林权抵押也存在着“抵押物评估有待规范和完善”、“贷后管理方式落后”、“业务授权滞后”等问题,必须建立健全林权抵押评估体系和多元化的风险担保体系,才能大力促进林权抵押贷款发展。 This paper points out that the lack of guarantee collateral is the main factor restricting the indirect financing of “agriculture, farmers and farmers”. With the case analysis of the introduction of forest property right mortgage loan by the Agricultural Bank of China branch in Guangdong Province, the author believes that exploration and promotion of forest property right mortgage loan in the qualified provinces is an effective way to alleviate the financing difficulties of “agriculture, farmers and rural areas”. However, from the current exploration, there are some problems about the mortgage of forest right, such as “the assessment of mortgage needs to be standardized and perfected”, “backward management after loan”, “lag of business authorization” and so on, Mortgage assessment system and a wide range of risk guarantee system, we can vigorously promote the development of forest property mortgage loans.