摘要
从金融机构信贷风险的视角分析,认为导致集体林权制度配套改革中的林权抵押贷款困境的原因为信贷约束,而信贷约束主要是金融机构提供信贷时的收益与风险严重不匹配造成的。林权抵押物价值保全风险和处置变现风险是金融机构承受的主要信贷风险。因此,打破林权抵押贷款困境,降低金融机构信贷风险的重要举措为大力发展政策性森林保险和适度放宽林木采伐管制。
Based on the perspective of financial institutions,the main reason which contributes to difficulties of mortgage loans of forest rights,in the matching reform of collective forest ownership,is credit constraint.The great gap between the benefit and risk make the credit constraint.The risk of preserving the collateral value of forest ownership and the risk of liquidity are the main risks which financial institutions face.Therefore,in order to break the forest right mortgage difficulties and reduce the credit risk of financial institutions,the government should develop forest insurance and relax the restrictions of forest harvesting.
出处
《中南林业科技大学学报（社会科学版）》
2010年第5期8-10,共3页
Journal of Central South University of Forestry & Technology（Social Sciences）
基金
国家社科基金项目"全面推进我国集体林权制度改革中的政策性森林保险长效机制研究"(编号:10BJY044)
关键词
林权抵押贷款
政策性森林保险
林木采伐管制
mortgage loans of forest rights
forest insurance
restrictions of forest harvesting
作者简介
李彧挥（1975-），女，湖南长沙人，中国人民大学农业与农村发展学院副教授，博士．研究方向：环境与资源经济管理、林业经济理论与政策。
