Lincheng "green credit card" need not worry about farmers' loans.

Relying on the forest right mortgage loan, Yiwei further expanded the planting area of Camellia oleifera. Photos provided by interviewees.

On May 7th, Camellia oleifera grew well in several woodlands of Shimen Formation in Jinyuan Village, Gejia Town. A green camellia forest is dripping, and the branches are covered with new fruits the size of fingertips. The breeze is Xu Lai, and the branches and leaves are rustling.

"With the help of the staff of the Forestry Bureau, the procedure was simple and the loan was approved soon." At the end of April this year, Yi Wei received the license with the Registration Certificate of Other Rights of Forest Right of the Municipal Forestry Bureau, and the license number was "Liulin Quanhezi [202 1] No.00 1". Using forest right mortgage, Yi Wei successfully obtained bank loan credit. With the "watering" of this fund, he has more confidence in developing his own industry.

Nowadays, many farmers in Liuyang, like Yi Wei, rely on forest right mortgage loans to actively develop aquaculture and realize their dream of increasing income and getting rich.

Forest right mortgage solves the pain point of farmers' loans, and forest right certificate becomes a "green credit card"

20 18 Yi Wei, who runs a camellia oleifera forest in Gejia Town, first contacted the forest right mortgage loan. He only needs to mortgage the forest right and go through the relevant formalities to get a bank loan.

"At that time, I just wanted to expand the planting area. Liuyang has such a good policy. I definitely want to have a try. " With the help of the staff of the Municipal Forestry Bureau, Yi Wei's "Forest Land Management Right Transfer Certificate" was handled smoothly.

If the funds are alive, farmers' confidence will be stronger. For four consecutive years, Yiwei relied on the convenience of forest right mortgage to revitalize funds and further expand the planting area, and achieved good economic benefits. On April 26th, Yi Wei received the registration certificate of other rights of forest right with the number "[202 1] 00 1" from the staff of the Municipal Forestry Bureau, becoming the first forest farmer in our city to obtain the credit of forest right mortgage loan this year.

It is reported that the forest right mortgage loan is based on the ownership (or use right) of forests, trees and woodlands, and borrows from financial institutions. As a pilot demonstration of deepening the supporting reform of collective forest right system in China and a pilot county of "separation of powers" reform of forest land in the whole province, as early as 20 17, our city took the lead in carrying out forest right reform in the whole province, and issued the "Implementation Plan for the pilot reform of" separation of powers "of forest land in Liuyang City. Forest right certificate has become a "green credit card", and forest farmers have also become real participants and beneficiaries of forest land circulation and scale management.

Revitalize forest resources and assets and turn sleeping woodland into a "green bank"

Like Yi Wei, in recent years, more and more forest farmers have participated in land circulation and forest right mortgage loans. Last year, the Municipal Forestry Bureau handled 34 cases of forest right transfer, involving an area of 3,800 mu and a transaction amount of 50 million yuan; Financing 6 million yuan for corporate mortgage loans, and the city's forest land circulation rate reached 63%.

"Building an acre of forest land requires saplings, fertilizers and artificial management. If it is forest land circulation, it will cost a lot of money to increase land rent. " Hui, who runs an camellia oleifera planting cooperative, said that the growth cycle of trees is relatively long and is greatly influenced by natural factors. Therefore, it is impossible to recover the invested funds in a short time, and revitalizing funds has become the key to the development of cooperatives.

"Not only can I get a loan, but the loan interest is also subsidized, which makes my financial pressure much smaller." He once said that he got a loan discount of nearly 5,000 yuan from the Municipal Forestry Bureau last year.

"Forest right mortgage loans have a wide range of benefits, and eligible forest farmers can apply. The single highest discount we gave reached 600,000 yuan. " Zhang Huizhong, chief of the Financial Audit Section of the Municipal Forestry Bureau, said that there are different types of discount policies for forestry loans in our city. Eligible forestry business entities may apply to the Municipal Forestry Bureau for loan discount, and the Municipal Forestry Bureau shall give subsidies according to regulations.

In order to further mobilize the enthusiasm of forest farmers to promote forest cultivation and widely publicize the policies of benefiting the people such as forest right mortgage loans, the Party branch of the Municipal Forest Right Management Office

Related Q&A: Related Q&A: Can the contracted forest land be loaned with forest title certificate? What should I pay attention to when lending? The reform of collective forest right system, which began in 2008, is a comprehensive reform, including confirming the right to change the certificate, activating and encouraging the standardization of forest right circulation, and solving the problem of forestry financing. At present, all the work in the whole country has been basically completed, and many places have introduced measures to solve the forestry financing problem with forest right mortgage loans. Commercial banks all over the country have also signed strategic cooperation agreements with forestry departments to expand forestry mortgage loan business, which has made a good start for forestry financing. Therefore, all localities basically carry out forest right mortgage loan business. Here is a brief introduction to the relevant provisions and precautions of local forest right certificate mortgage loan.

Subject matter of mortgage loan of forest right certificate

Risk control is the first choice for any commercial bank to develop commercial loans, and so is the mortgage loan of forest right certificate. Therefore, not all forest land can be loaned as long as it has a forest right certificate. Only those resources that can be quickly disposed of and realized in the event of an accident can be used as the subject matter of loan mortgage.

Accordingly, only commercial forests can be mortgaged, while ecological public welfare forests are generally not included in the subject matter of forest right certificate mortgage loans. Among commercial forests, economic forests, timber forests and green seedling forests with higher economic value are the best. The higher the evaluation value, the higher the loan amount. On the contrary, barren hills, shrubs and woodless land are of low value, so the loan amount is low, and some commercial banks even refuse to include them in the subject matter of mortgage.

Forest right certificate mortgage loan procedure

The process of mortgage loan of forest right certificate is roughly as follows: individual or unit applies-the bank agrees to apply-an agency with evaluation qualification is hired to evaluate-the bank conducts on-the-spot verification-calculates the loanable amount-signs a loan agreement-the forest right trading center records and freezes the forest right-issues the loan.

In other places, the strategic cooperation mode is adopted, which simplifies the evaluation procedures. The local forestry station gives the evaluation opinions truthfully, but the general loan amount is limited to 300,000 yuan, which is a small credit mortgage loan, and it is faster to handle.

Problems needing attention in mortgage loan of forest property right certificate

Once the forest right certificate is mortgaged, there are certain precautions, which are roughly as follows:

The mortgaged subject matter has been frozen, and it is not allowed to apply for logging, circulation or contracting.

Pay the loan interest in full and on time, and if the principal cannot be repaid on time, apply for negotiation and carry-over.

If the mortgage loan is used for forestry, there is generally a discount policy, and you can apply in the local forestry department and enjoy the government discount incentive.