Research On Risk Prevention Of Forest Right Mortgage Loan In Lishui,Zhejiang

As the supporting measures of reform of collective forest rights,forest right mortgage loan has made substantial development in recent years,the emergence of this new lending model to broaden the financing channels for farmers to really bring them affordable and convenient,promote the orderly development of long-term forestry and rural economy in china.At the same time,due to the development of the legal status is not clear,the narrow scope of mortgage and forestry inferiority and the realization of collateral disposal difficulties to some extent hindered the forest right mortgage loan.In 2018,China Banking Insurance Regulatory Commission and other departments jointly issued the notice on promoting forest tenure mortgage loan work.It was put forward that in 2020,forest rights mortgage business was basically covered in areas suitable for forest rights mortgage loan work.Therefore,in the current stage of deepening the reform,the risk prevention of forest mortgage loan is of great theoretical and practical value.This paper selects Zhejiang Lishui as a case study,based on the externality theory,asymmetric information theory,credit risk control theory as the basis,in summarizing the domestic and foreign scholars on the forest right mortgage loan on the research of Zhejiang Lishui forest right mortgage loan business development in the field of research.This article first introduces the basic situation of realistic foundation,Zhejiang Lishui to carry out forest right mortgage loan business scale,loan demand,the forest right mortgage business,transfer compensation income certificate of public welfare rights pledge mode for comparative analysis,points out the main characteristics of the three models and the advantages and disadvantages,and summed up the to carry out the business facing the mortgage risk,operational risk,risk of the borrower and the legal policy of four kinds of risk;secondly,the Zhejiang Lishui forest right mortgage loan risk management situation analysis,combing the pre established risk prevention,risk sharing and risk compensation mechanism,through theoretical research and practice of the current local.Four aspects of guarantee the forest right circulation mechanism,Lishui mode in the process of risk management,loan management and forest insurance mechanism is still a problem And need to be improved,and the risk management problems are discussed;finally,to prevent Zhejiang Lishui forest right mortgage loan risk and puts forward some corresponding suggestions: prudent legal risk,optimize the forest right mortgage loan process,establish and improve the forest value assessment system and improve the risk prevention and compensation mechanism,deepen the forest right mortgage loan product innovation.