Study On Risk Supervision For Forest Resource Assets Mortgage Loan

Forestry as one of important public welfare cause and basic industry is also one of fundamental of economic and social sustainable development and was restricted by the problem of lacking capital to develop for a long time. With the development of forest-right system reform and the publishing and implementing of the law about the method of loan and mortgage using forestry resources assets (for trial implementation), it should be one of the best financing method by using forestry resource assets to solve the problem of lacking capital. But the forestry resource assets as mortgage has some special characteristic of itself, such as the long period of operating cycle, the spontaneous increasing value of itself, the vast distribution and be vulnerable to natural disasters, all these characteristic make the supervision of it has some differences to others. These researches solve the problems coming out during the mortgage loan for the interests of the commercial banks according the theories of risk analysis; then analyze the causes of risks, furthermore find some methods to prevent and remove risks during forest resource mortgage loan, so as to promote the development of it.This paper was wrote according to the research approach of rising problem-analyzing problem-solving problem, and by using approach of combination theories and practice, combination of qualitative analysis and quantitative analysis, game theory and statistic analysis; Studied the risk supervision of forest resource mortgage loan and summarize the main research results as follow:1. Firstly we analyzed the connotation of forest resource mortgage loan, its legal basis, its development state, the main modes and the necessary risk supervision of it. Then introduce the idea of risk supervision, conclusion was gave after game analyzing of the necessary risk supervision, the results show that the risk supervision behavior of bank should be the important condition of borrowers' honesty representation and banks should take right risk-supervision measures to borrowers.2. It is advanced for this paper to analyze the risk of forest resource mortgage loan, we analyze the risks include risk of honey, mortgage risk, management risk, liquidity risk and other risks. We also analyze the causes of all these kinds of risks. From the aspect of banks, as one reason, it comes from the management ability of banks, for example the property right system and credit management mechanism are still not perfect and so on. As to forestry industry's own characteristics, there are many problems include the bad operation-modes of forestry enterprise fund, the single subject of financing and investment, the high cost of loan, the difficult implementation of interest subsidy loan and the lag-establishment of related policies and service mechanism and so on. All these problems aggravate the risk of bank from forest resource mortgage loan. Judging from the outside environment of bank, the problems such as the imperfect of public credit system, government intervention and unsound of policies and laws are becoming the important influencing factors of risks' formation.3. First address that risk supervision for forest resource mortgage loan should consists of internal control before borrowing and external supervision after borrowing. The former includes designing forest resource mortgage loan product, constructing excellent environment for internal supervision, building normative forest credit system and effective information system. The latter main includes perfecting mortgage loan registration system, strengthening the value loss management of mortgage, achieving the disposition of mortgage according with law and creating excellent external environment to spread the risk of bank.