Research On Risk Prevention And Control Of Inclusive Forestry Finance In Sanming City From The Perspective Of Commercial Banks

With rapid economic development,finance has become a highlight of economic development.The development of inclusive finance contributes positively to eliminating financial exclusion and regional poverty,extending the scope of financial services,and facilitating balanced economic growth.Forestry is an integral part of agricultural development.However,lack of development funds for forestry has become a bottleneck for forestry economic development and ecological environment construction.Therefore,diversifying forestry financing channels and improving the effective allocation of forest resources are essential to solve the sustainable development of forest economy.The development of inclusive forestry finance can further expand the development model of forest rights mortgage loans and provided a new method to solve the microcredit for forest farmers.Inclusive forestry finance,as an innovative way for forest farmer financing,provides mortgage of scattered forest rights.It can effectively solve forest farmers’ lack of operating funds in the process of production and operation,and promote the development of modern forest economy.However,on the other hand,inclusive forestry finance is also prone to some unique risks due to characteristics of forestry operation,the development of forest rights mortgage loans is impeded.Therefore,it is of great significance to study how to prevent and control financial risks of inclusive forestry finance both in theory and in practice.Based on relevant theories on inclusive finance,property rights,risk management,financial innovation,etc.,this thesis analyzes risks existing in the development of inclusive forestry finance.Based an empirical analysis of the development of inclusive forestry finance in Sanming City,this thesis makes an in-depth analysis of the essence of forestry finance development from the perspective of commercial banks,and comprehensively analyzes related risks possibly encountered in the process of forest rights mortgage loan.Furthermore,it explores the countermeasures against risks of forestry rights mortgage loan.This thesis can provide some reference for the research on risk prevention and control of inclusive forestry finance,and can help further promote the sustainable development of forest economyThis thesis is divided into five parts: Chapter 1 is the introduction,which provides a comprehensive introduction to the research background,purpose,and significance,and reviews related literature.Meanwhile,it elaborates on the research methods adopted in this thesis,and explains the research ideas by a description of the technical road map.Chapter 2 is the theoretical basis of the research,including related concepts of inclusive finance and forest rights,etc.,and theoretical foundations of property rights,financing and risk management.Chapter 3 is the current status of inclusive forestry finance in Sanming City,focusing on the development of inclusive forestry finance in Sanming City,and analyzing its current situation.Chapter 4 conducts a questionnaire of bank management personnel’s awareness ratio and satisfaction ratio of inclusive forestry finance development,so as to excavate potential risk factors for the development of inclusive forestry finance.Chapter 5 analyzes risks encountered in the development of inclusive forestry finance in Sanming City and their causes.Chapter 6 suggests some corresponding risk prevention and control measures for the internal and external risks existing in inclusive forestry finance.Chapter 7 is the summarization of the full text,in which the main research problems and prospects are proposed.