The Study Of Risk Management Of Forest Right Mortgage Loan

As an essential part to explore the establishment of a management system of modern forestry,China has clearly given the market financing function of forest right,leading to more financial resources to rural areas,which better promote the economic development of forest.Because of the particularity of forestry production and management,there are many credit risks in forest right mortgage loan.For implementing the national financial services support for forestry economy,the forest right mortgage credit risk and its management system is of great theoretical and practical significance.In this regard,this paper,from the perspective of banking and financial institutions,attempts to explore the risk characteristics,risk types and corresponding management methods of forest rights mortgage loans in a systematic way.This paper is an applied study on the existing theories.This paper comprehensively reviews the forest right,forest right mortgage loan,characteristics and types of risks and the risk management of commercial bank mortgage loan and other aspects of the literature;secondly,in the existing model and practice problems of forest right mortgage loan,this paper analyzes the framework of risk management operation of risk identification-risk control-risk averse based on the characteristics of forestry production and management;finally,through in-depth analysis of two representative cases of the Agricultural Bank A,one of the legal person mortgage loan case and one of the natural person forest right mortgage loan case.This paper verifies the feasibility of the framework of risk management operation,so as to put forward some suggestions for the commercial banks and financial institutions on risk management activities of forest right mortgage loan.This paper argues that the present risk management measures of commercial banks and financial institutions are not in place.Therefore,it is urgent to construct a risk prevention mechanism which is suit for the characteristics of forest right mortgage loan and establish a comprehensive risk transfer mechanism of the forest right mortgage loan.The corresponding management recommendations include: Firstly,establish the evaluationsystem of forest right mortgage;promote the information construction of forest right mortgage loan.Secondly,strengthen the assessment of pledge and improve the mortgage registration to ensure its effectiveness;strengthen the construction of credit and improve the overall quality of employees.Thirdly,establish the risk compensation mechanism of forest insurance and encourage forestry producers to insure;strengthen the management of financial lending institutions and guarantee institutions.