林业信贷融资困难的原因及解决途径探讨

我国林业建设取得了丰硕的成果,但建设资金不足的问题依然十分突出。对林业信贷融资困难的原因和解决途径的研究表明,信息不对称导致资金交易成本过高是林业信贷融资困难的主要原因,开展林权抵押贷款是解决难题的有效途径之一。以浙江省为例,对市场化程度、森林资源条件、政策法规保障体系、林业专业合作组织建设等方面进行了分析,认为开展林权抵押贷款的基础条件已经具备,但是需要在统一领导和多方配合下逐步推进。参14

Causes and countermeasures for forestry credit financing difficulty

Great progress has been made in forestry construction in China in recent years,but the problem of fund shortage is also prominent.It is concluded that the high cost of capital transaction caused by asymmetric information is the key reason of forestry financing difficulty,and mortgage loan on forest ownership is an effective solution to the problem.Taking Zhejiang Province as an example,by analyzing the marketization level,forest resources,system of policies and regulations,and professional cooperative organizations and credit system,we draw a conclusion that the conditions for mortgage loan on forest ownership have been basically met in Zhejiang Province,and the work should be done gradually under the leadership of the government and good cooperation of different departments.Ch,14ref.]