CAJ | 학술논문

介绍了辽宁省林权抵押贷款业务的开展情况，规定了林权抵押贷款的定义，介绍了抵押物的范围、评估办法以及贷款的用途、比率、期限和利率。认为林权抵押贷款目前尚存在缺乏政策指导，农村金融机构网点较少，贷款利率过高，融资成本高，贷款范围过窄等问题。提出了应规范操作，制定适宜林业生产特点的信贷政策，建立多机构参与和多渠道融资模式，建立风险防范机制等建议。
개소료요녕성림권저압대관업무적개전정황，규정료림권저압대관적정의，개소료저압물적범위、평고판법이급대관적용도、비솔、기한화리솔。인위림권저압대관목전상존재결핍정책지도，농촌금융궤구망점교소，대관리솔과고，융자성본고，대관범위과착등문제。제출료응규범조작，제정괄의임업생산특점적신대정책，건립다궤구삼여화다거도융자모식，건립풍험방범궤제등건의。
The paper first analyzed Liaoning Province how to carry out forestry property rights mortgage loan, then gives the definition of forestry property rights mortgage loan on the scope of the collateral and difficulty to evaluate the ratio, duration and interest rates of loan. It holds that the right mortgage loan is currently lack of appropriate guidance, the credit policy for rural financial institutions network should suit for forestry production, establish multi-agency participation and multi-channel financing model, build risk prevention mechanism and so on.