Risk Analysis Of Forest Right Mortgage Loan

China is a big forestry country,with very rich forest resources,but the utilization rate of forest resources are not high.Most of the forest resources are located in undeveloped remote mountainous areas,which is very difficult to use.In order to better develop and utilize China’s forest resources,in the past 20 years,the state has vigorously supported the forest right mortgage loan as the main loan mode for the development of forestry economy,and proposed that the forest right mortgage loan should basically cover the areas suitable for the development of forest right mortgage loan.However,because of the particularity of forest right as collateral,it leads to the risk of forest right mortgage and hinders the development of forest right mortgage business.Since the collective forestry reform,the scale of forest right mortgage loan in Jiangxi Province has increased year by year,which has increased the income of the majority of forest farmers and made new contributions to the revitalization of rural areas in China.This paper selects the forest right mortgage loan of a county branch of Agricultural Bank of Jiangxi Province as the case to analyze the specific situation of forest right mortgage loan business.First of all,combined with the research results at home and abroad,this paper expounds the concept of forest right mortgage loan,loan risk and loan risk management.Secondly,this paper introduces the development status of forest right mortgage loan in Jiangxi Province,and then expounds the business model of forest right mortgage loan and the traditional methods of risk management,so as to pave the way for the following case introduction.In this paper,the basic case of a county loan is introduced in detail,including the case analysis of a county loan.After having a clear understanding of the case,this paper makes a detailed analysis of the risks existing in the forest right mortgage loan of a county branch of Agricultural Bank of China.Based on the particularity of the forest right mortgage loan,this paper comprehensively analyzes the causes of the forest right mortgage loan risk from three angles of government,bank and forest farmers,and then analyzes the risk control of the forest right mortgage loan of a county branch of Agricultural Bank of China.Finally,combined with the specific situation of forest right mortgage business,from the theoretical and practical aspects,this paper gives some suggestions on the risk management of forest right mortgage loan.through the reasonable guidance of the government,the establishment of a legal and policy system to reduce government risk;through the improvement of infrastructure,the construction of a perfect forestry service platform to reduce government risk.We should control the mortgage risk,reduce the risk of borrowers by improving the forest insurance system and reducing the cost of loans,and prevent the risk of financial institutions by using science and technology to achieve information exchange.