林权抵押贷款是林业投融资改革的制度创新,而生态林抵押贷款是传统林权抵押贷款途径的创新和突破。通过对我国生态林抵押贷款发展中的法律定位不明晰、资产评估非专业化、交易成本高、管理体制畸形、实现风险大等方面现实困境的剖析,明晰了生态林抵押贷款的生态与经济价值冲突、林权流转历史“后遗症”、林权改革不到位等困境形成的原因。提出了明确生态林为抵押范畴,规范抵押资产评估体系,降低交易成本,发展非公有制林业,建设生态林合作组织,构建生态林抵押贷款融资金融服务体系等路径予以消解。
Forest right mortgage loan is the reform of forestry investment and financing system innovation and eco-forest mortgage loan is a traditional forest right mortgage loan innovation and breakthrough.Through analysis of China ecological forest mortgage loan development,it is shown that the legal positioning is not clear,and assets assessment non-specialized,and trading cost high,and management system deformed,and risks big and it is made clear that there exist some ecological and economic value conflicts,historical issue of forest circulation,and forest right reform is not in place.Based on the above analysis,this paper proposed clear ecological forest mortgage category,specification of mortgage assets assessment system,reduction of trading cost,development of non-public forestry,construction of ecological forest cooperation organization and construction of ecological forest mortgage financial service system.
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