集体林改中林业金融贷款制度改革探析——以福建省武平县和永安市为例
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摘要
【目的/意义】用以解决阻碍集体林改中林农反映比较强烈的资金来源问题。【方法/过程】通过查阅大量文献、书籍和统计年鉴,采用对林业部门工作人员与林农进行问卷调查和访谈等方法,查找林改后林农信贷供需之间的矛盾,针对福建省武平县和永安市普惠林业金融贷款制度改革进行调查研究分析。【结果/结论】调查研究分析得出林业金融贷款制度需要改进的问题有贷款期限短、程序繁琐、担保风险大、反担保遇到阻碍等,提出降低贷款利率、延长贷款周期、延续贷款的持续性、简化相应程序、适当降低担保金、放大贴息范围、创新林权证反担保措施等改革建议。
【Objective/Meaning】It is used to solve the problem of financing sources which the forest farmers response strongly in the process of obstructing collective forest reform. 【Methods/Procedures】By consulting a large number of documents, books and statistical yearbooks, using the methods of questionnaire survey and interviews between forestry department staffs and forest farmers, the contradiction between supply and demand of forest farmers' credit after forest reform was found, the research and analysis on the reform of inclusive forestry financial loan system in Wuping County and Yong'an City of Fujian Province were carried out. 【Results/Conclusions】According to the investigation and analysis, this paper concluded the problems that need to be improved in forestry financial loan system were short loan term, cumbersome procedures, high guarantee risk, obstacles of anti-guarantee, etc. Some reform proposals were put forward, such as reducing loan interest rate, prolonging loan cycle, continuing loan sustainability, simplifying corresponding procedures, appropriately reducing guarantee funds, enlarging discount scope, innovating anti-guarantee measures of forest warrant, etc.
【Objective/Meaning】It is used to solve the problem of financing sources which the forest farmers response strongly in the process of obstructing collective forest reform. 【Methods/Procedures】By consulting a large number of documents, books and statistical yearbooks, using the methods of questionnaire survey and interviews between forestry department staffs and forest farmers, the contradiction between supply and demand of forest farmers' credit after forest reform was found, the research and analysis on the reform of inclusive forestry financial loan system in Wuping County and Yong'an City of Fujian Province were carried out. 【Results/Conclusions】According to the investigation and analysis, this paper concluded the problems that need to be improved in forestry financial loan system were short loan term, cumbersome procedures, high guarantee risk, obstacles of anti-guarantee, etc. Some reform proposals were put forward, such as reducing loan interest rate, prolonging loan cycle, continuing loan sustainability, simplifying corresponding procedures, appropriately reducing guarantee funds, enlarging discount scope, innovating anti-guarantee measures of forest warrant, etc.
引文
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[2]张兰花.林权抵押贷款信用风险评估研究[D].福州:福建农林大学,2012.
[3]武平县人民政府.深化林改促发展提升生态惠民生[J].福建林业,2016(6):11-12.
[4]刘宁.我国不同类型地区现代林业的差别性政策研究[D].北京:中国林业科学研究院,2015.
[5]李莉.林木资产与林权抵押借贷双方行为的经济分析[D].福州:福建农林大学,2008.
[6]闫晓琴.P2P网络借贷的法律规制[D].兰州:兰州大学,2017.
[7]石焱.我国南方集体林区森林保险事业发展对策研究[D].北京:北京林业大学,2009.
[8]程宣境.浙江省林地经营权流转调查报告[J].山西林业,2016(4):6-8.
[9]陈丽清.福建三明林业普惠金融的创新与思考[J]. 林业勘察设计,2018(1):60-62.
[10]林慧琦,王文,郑晶.重点生态区位商品林赎买的投融资模式研究——以福建省为例[J].中国林业经济,2018(3):1-5,16.