Research On Development Of Forest Right Mortgage Loan In Shaanxi Province

Since 2003, reform of collective forest property system carried out, the rights of collective forest property is step-by-step clear, and the farmers have the right to use the forest land and the ownership of forest, that stimulated their enthusiasm of developing forest. However, for a long time, the lack of rural credit funds and effective of financial input bottlenecked forestry development. So it is very difficult for farmers to increase their incomes through developing forest. And take the forest assets as collateral, forest Right Mortgage Loan can effective activate forest resources, broaden the forestry financing channels, increasing farmers' income, and accelerate development of the forestry industry. Therefore, it's important practical significance for us to study the forest right mortgage loan and promote it healthy development.This article researched on the case of Shaanxi. First, through the field investigation of Shaanxi and understanding the current status of forest right mortgage loan in Shaanxi, analyze the problems of it through three angles which are the forest farmers, financial institutions, and development of the environment angles, and use external effect theory, asymmetrical information theory and game theory to analyze the reasons of lack of effective supply and demand, the market slowing development, and cleared that the government play a leading role in the development of forest right mortgage loan. Summing up the specific practice of domestic advanced provinces developing forest right mortgage loan and drawing on their successful experience, combination with the reality of Shaanxi , and recommended the measures and the polices.There are two innovations of this article. First, this Article through the empirical analysis of forest right mortgage loan of Shaanxi, drawing on successful experience of advanced provinces, combination with the actual experience of Shaanxi, targeted by Shaanxi and recommended the measures and the polices. Second, the forest right mortgage loan as a mixed-use products to be researched, used the economic theories to analyze the reason of the lack of effective demand and supply and the reason of the slowing development of market, and concluded that the government play a leading role in the development of forest right mortgage loan.