Research On Forestry Financial Innovation Products In Fujian

At present,the development of green finance is rapid,and forestry production is a very important part of the green finance.Therefore,the development of forestry finance is very important.However,compared with agriculture,forestry has its own unique characteristics,such as long growth period,periodicity and seasonality,so that the demand for capital in forestry production is high.In view of the high risk of the use of funds,many funds are not willing to flow into the forestry production,which leads to the financing difficulties in the process of forestry production.At present,many scholars have made a very detailed discussion on the theory of forestry finance,such as the model and system mechanism of forestry finance,at the same time,the research on several kinds of unique forestry loan products is also very rich,but the practical exploration of forestry financial innovation products is less.Based on this point,this paper tries to analyze and study the innovative products of forestry finance.The paper also analyzes whether these innovative products of forestry finance can bring convenience to forestry financing and promote the production and development of forestry industry.In this paper,the forestry financial innovation products of commercial banks are considered as the research perspective.Because Fujian province carried out the reform of collective forest right earlier than some provinces,and it is also an important pilot of collective forest right reform,therefore,this paper selects Fujian representative forestry financial innovation product as case study.This paper analyzes the following aspects:First of all,summarize and analyze domestic and international research results on forestry finance theory,forestry investment and financing mechanisms,risks,laws and regulations,in order to determine the perspective of this study on forestry financial products.At the same time,it learns from the existing forestry financial innovation theory and game theory to provide theoretical basis for the forestry financial innovation product of this paper.Secondly,in view of the reality of forestry financial innovation products in Fujian province,discussing the overall development of forestry financial innovation products here.Then through game theory analysis,according to discussing the game analysis between the bank and the government on the innovative products of forestry finance and the game analysis between the bank and the forest farmers on the forestry loan,it is found that there is a phenomenon that the bank can’t achieve the optimal choice in the process of financial innovation,and there are many difficulties of bank loan in the process of forest farmers ’ loan.To deal with these problems,through a case study of several forestry financial products in SanMing agricultural business bank,it is found that under the bank’s positive innovation and the government’s active promotion,products can cover different types of forest farmers and effectively solve the problem of difficult loans for forest farmers.In view of some problems arising from the game process,in order to solve the problem of forest farmers’financing difficulties in the process of gaming through practical cases,a case study of several forestry financial products in SanMing agricultural business bank is carried out.In order to be able to promote the innovation and development of the national forestry financial products,this part further discusses the operation mode of this product has the effect and possible problems.Finally,a comprehensive analysis of the above theoretical and practical aspects,problems such as the lack of innovation in forestry financial products,difficulties in forest farmers’ loan,and imperfect supporting facilities for forestry financial products,there are main countermeasures proposed for different subjects as follows:the government actively promotes the bank’s innovation in forestry financial products and improves the supporting mechanisms;banks need to accelerate the establishment of forest farmers’ credit system and expand the scope of forestry loans;relying on cooperatives,perfecting storage platforms.