Study On The Issue Of Forest Right Mortgage Loan In Shandong Province

Forest right mortgage loan refers to the way of raising funds from financial institutions by mortgaging the ownership(or the right to the use)of forest and woods and the right to the use of forest land.As a new mortgaging model emerging from the reform of China’s collective forest right system,forest right mortgage loan is an innovative way of how finance supports the forestry industry and the agricultural development with strategic implications in breaking the bottleneck of the funding for the development of agriculture,countryside and farmers,expanding financial service coverage and promoting the improvement of agriculture,countryside and farmers.This paper expounds the related concept,scope and significance of forest right mortgage loan,and the relationship with forestry development.It briefly introduces the background of forest right mortgage loan and the relationship between forest right and forest protection and environmental improvement.This paper points out the particularity of forest right mortgage loan,sums up the main loan model of forestright mortgage loan and analyzes the characteristics of different loan models.By analyzing the collected data and information,the author finds out the problems in the operation of forest right mortgage loan in Shandong Province,including the small scale of the loan and the slow development of the petty loan business.The relevant policies are difficult to implement.Lacking of the banks which carry out this business that it difficult to handle.It also lacks targeted credit products and the loan costs high.Furthermore it’s difficult to prevent loan risks.In view of these problems,the possible influencing factors of forest mortgages are analyzed linear correlation analysis by SAS software and establishing the regression equation,combined with theoretical analysis,the author finds out the key factors influencing the business of forest right mortgage loan in Shandong Province,namely,mortgage rate,statistically irrelevant circulation,and analyzes how these key factors affect the implementation of forest right mortgage loan.Finally,the conclusion is drawn:According to the key factors,combined with the actual situation of Shandong forest right mortgage loan business,from two angles of the bank and the government,the author puts forward such suggestions as improving the system construction,strengthening the construction of forestry factor market,raising levels of financial services to forest right mortgage,strengthening supervision,reducing loan risks and optimizing the environment of forestry investment.