福建省林业小额抵押贷款的障碍与对策

林农小额贷款不仅存在一般的小额贷款的单位成本高、现金流难以跟踪问题,还存在营林活动周期长、风险高的特点.笔者在福建林改实践的基础上,针对林农小额贷款周期短的不足,引入体系完整的林业科技推广与服务机构,利用其低成本的科技服务与跟踪林农经营活动,降低营林活动整体风险,提高林农小额长期贷款的可能性,推动林权改革的深入及林业产业的发展.

Obstacles and Measures of Mortgage Loan by Forest Property Certificate in Fujian

This paper dealt with three main problems in the capital mortgage of forestry and agriculture.The first problem was that small capital loan got the high unit costs;the second was that the cashflow was difficult to trace;the third was the longer forest management-period and higher risk of loan.Based on the reforms of mortgage loan by forest certificate and guarantee of credit in Fujian,the authors showed that the short period of loan could be considered.In order to guide the use of low costs and trace agro-forestry operations,the popularization of forestry science and technology needed to be built.Thus,the overall risk of forest activities would be reduced,and the possibility of small long-term loans to foresters would be raised.