Study On Risk Management Of Forest Right Mortgage Loan Project

In recent years, along with our country collective forest right reform, reform offorestry has entered a new stage of development. Forest right mortgage loan asadvance collective forest right system reform the core content, put forward adifferent solution of forestry investment and financing issues in the practice mode,but also for their own financial institutions to open up new business areas.Forest right mortgage loan is a financial institution a new mortgage business,because forestry investment cycle is long, management risk is big, asset managementdifficult and complex characteristics, financial institutions in the forest rightmortgage loan business in the development process will face a series of risk. Sostudy on the forest right mortgage loan risk of financial institutions, reduce forestrycredit risk, and promote the healthy development of forest right mortgage loan, hasimportant significance.Based on the domestic forest right mortgage loan the related literature on thebasis of combination in the Jiangsu area, forest right mortgage loan investigation,the combination of qualitative analysis and quantitative analysis, the forest rightmortgage loan project risk management research.This paper analyzes in the forest right mortgage loan in the whole process offarmers, financial institutions, asset evaluation agencies, security companies, thecompetent forestry authorities and other various stakeholders in the different interestdemands and risk exposure, explores the forest right mortgage loan in the wholeprocess of main risk performance and the causes;The article on this basis, further established financial institutions as the mainmode of comprehensive risk management, including financial institutionsthemselves all-around risk as well as the whole process management of forestry loan;financial institutions at the same time based on the perspective of the establishmentof risk evaluation index system, using a quantitative method to determine riskquantification, influence degree;Finally, this paper also suggests improving the forestry sector regulation,financial monitoring, forest insurance, forestry assets evaluation, forestry operatorguidance education and other external support service system.