云龙县林权抵押贷款中存在的问题及对策

指出了云龙县自2006年集体林权制度改革以来，全县以自留山、责任山为经营主体，加上其他经营方式，共完成确权发证370万亩。2008年底，主体改革基本结束，配套改革全面推进，林权抵押贷款作为配套改革的主要内容之一，政府采取了一系列措施，强力推进，但由于林权抵押贷款存在风险大、变现能力差等因素而工作效果不明显。为了积极稳步推进林权抵押贷款工作，对云龙县林权抵押贷款的现状进行了分析，并提出了核发经济林木（果）权证，利用经济林木（果）作为抵押物，可以有效破解林权抵押贷款中存在的问题。

Problems and Countermeasures of Forest Right Mortgage Loan in Yunlong County, Yunnan Province

Since the reform of collective forest right system in Yunlong County in 2006, the whole county has issued the warrants of 3,700,000 mu forestry land which have been confirmed the rights. At the end of 2008, the main reform has been basically completed, and the supporting reforms comprehensively promote forest right mortgage loan as one of the supporting reforms. The government has taken a series of measures to strongly promote the reforms, however, as the forest right mortgage loan has big risks and poor liquidity, the results are not significant. In order to actively and steadily push forward the work of forest right mortgage loan in Yunlong County, this article analyses the status quo of forest right mortgage loan, and proposes that it can effectively solve the problems by approving and issuing the warrants of economic trees （fruit） and using the economic trees （fruit） as collateral.