forest right mortgage loan is a kind of loan method based on forest right mortgage guarantee issued by banks to farmers or forestry operators, which obtains loan funds by mortgaging assets such as forest land and trees for forestry production and operation. To further promote the work of forest property mortgage loan, we need to follow the following basic principles: 1. Scientific pricing: reasonably determine the loan amount and interest rate according to the evaluation value of forest land and trees to ensure balance of payments and controllable risks. 2. Protection of legitimate rights and interests: Apply for and handle forest right mortgage loans in strict accordance with the law to ensure that the legitimate rights and interests of the parties are not harmed. 3. Risk prevention: establish a strict pre-lending audit system, conduct risk assessment and credit investigation on loan applicants, and prevent loan risks. 4. Information disclosure: establish a perfect information disclosure mechanism, disclose the policies, processes and audit standards related to forest right mortgage loans to the public, and strengthen social supervision. 5. Policy guidance: Actively guide financial institutions to increase their support for forestry production and operation, and promote the modernization of forestry. At the same time, we should establish a perfect forest right mortgage loan management system, strengthen supervision and law enforcement, standardize market order, protect people's legitimate rights and interests and promote rural economic development.
what are the possible risks in forest right mortgage loan? The risks of forest right mortgage loan mainly include unpredictable factors such as deforestation, fire and natural disasters, as well as credit risk, market risk and policy risk. In order to prevent risks, banks should set up special departments or entrust third-party institutions to strictly examine the borrower's forest land, forest ownership certificate, management right certificate and other relevant information, formulate appropriate collateral evaluation standards, and conduct credit investigation and risk assessment on loan applicants.
to further promote the work of forest right mortgage loan needs the support of basic principles such as scientific pricing, legal rights protection, risk prevention, information disclosure and policy guidance. Banks should strengthen the management and supervision of forest right mortgage loans, standardize market order and promote rural economic development.
Legal basis:
Article 35 of the Forestry Law of the People's Republic of China * * * Rural collective economic organizations and natural persons may mortgage forest resources as collateral according to the law and obtain corresponding loans and guarantees.