林权抵押贷款信用风险管理探析

通过研究林权抵押贷款管理相关规章制度以及福建省林权抵押贷款业务操作流程,分析了林权抵押贷款信用风险管理的模式、特点及存在问题。研究认为金融机构建立了林权抵押贷款全流程管理模式;林权抵押贷款信用风险管理特点是"银政"合作的评估机制、"银政保"合作的森林保险模式与"银政合作"的反担保机制;存在的主要问题是贷款审查流于形式、信用评级粗放与贷款合约设计苛刻等。

Analysis on the Credit Risk Management of Forest Right Mortgage Loan

This research analyzes the model, characteristics and existing problems of the credit risk management of forest right mortgage by studying the relevant rules and regulations of forest right mort-gage and operation processes of the forest right mortgage in Fujian province. The research suggests that financial institutions has established the whole-process management mode of forest right mortgage;mo-reover the characteristics of the credit risk management of forest right mortgage loan are the evaluation mechanism of bank-government cooperation, forest insurance mode of bank-government-insurance co-operation and counter guarantee assessment mechanism of bank-government cooperation. The main problems about this loan are that loan inspection is only a mere formality, credit rating has been exten-sive and credit contract design is harsh, and so on.