The Research Of Farmers Credit A Ssessment On Forestry Rights Mortgage Loan

Providing farmers with good financial services is one of the fundamental ways to solve the problems of agriculture,countryside and farmers in China.With the deepening of the reform of forest right system,the practice and development of forest right mortgage loan provide innovative tools to solve the financing needs of farmers,and broaden the development of rural finance.Credit risk is the important restriction factors which restricted the further development of forest right mortgage loan,having a clear and accurate understanding with the essence of forest right mortgage loan credit risk,formation causes and key factors,to assess the forest right mortgage loan credit risk effectively,is the original intention of this research.This study can be for financial institutions to measure forest right mortgage loan of farmers’ credit level provides an effective tool,finds an important solution to avoid credit risk and helps to promote the sustainable development of forest right mortgage loan,to solve the problem with the credit rationing of forestry,promote the good development of forestry.In addition,we hope that this study will be of theoretical significance in the study of the field of credit risk and deepen the study of forestry financing problems.The thesis use the reseach method which combines nomative analysis and empirical analysis,qualitative analysis and quantitative analysis.Firstly,it analyze the current research status of credit risks in Forestry Rights Mortgage Loan at home and abroad,and define some concepts about Forestry Rights Mortgage Loan credit and risk,and then illustrate some theoretic basis about Forestry Rights Mortgage Loan credit and risk.Secondly,from the current states of the developmen about Forestry Rights Mortgage Loan credit and risk,it distinct the significance of launching Forestry Rights Mortgage Loan to the financial institutions.But through recent date and document analysis,I realize that the financial institutions are low enthusiasm for participating in Forestry Rights Mortgage Loan,the problems of Forestry Rights Mortgage Loan are still serious,the development of Forestry Rights Mortgage Loan running into bottlenecks.In this connection,the thesis analyze the phenomenon about financial institutions grudge loan from the angle of credit and risk,and divided into three types about default motives in farmers’ credit and risk,which are rational default,forced default and intentional default,and build a model of the the game about farmers’ repayment decision-making to analyze the internal mechanism of their credit risk,so as to futher discuss the major factor of leading farmer to fall into a credit crisis.Thirdly,on the basis of the previous analysis,combined with a large number of literature and professional advice on the construction of rural credit evaluation index system,through a questionnaire survey of experts to assess the evaluation indicators,used AHP to determine the weight of each evaluation index,and using the fuzzy comprehensive evaluation method for the empirical application of a farmer in Sanming City,verify the feasibility of the establishment of the evaluation index.Finally,according to the previous research,the corresponding countermeasures and suggestions are put forward,which are used to improve the credit risk control of Forestry Rights Mortgage Loan,and provide theoretical reference for the relevant policy departments to formulate rules and regulations.According to this study,I found three results:(1)Through the game model of repayment decision analyze simulation mechanism of the farmer credit risk analysis,and the results showed that,farmers’ repayment decision strictly dependent on assumptions of yield function,as long as farmers’ default income is higher than the repayment,farmers will choose to default;(2)Research shows that information asymmetry,farmers lack of solvency,forest resource asset value decreased,flow limitation,risk thransfer compensation system compensation system deficiencies and loan loan products limitations of such factors is farmer credit risk sources.(3)The credit risk evaluation model of Forestry Rights Mortgage Loan shows that the management of forest resources,The disposal of the mortgaged property cashability and mortgage rate are the significant influencing factors of farmers’ credit risk.