基于抵押品扩展与替代机制的林业金融创新

随着我国农村金融体制和林权制度改革，林业金融环境也得以改善。但是，现有的金融体系、金融机构对林农和中小企业所需要的金融零售服务仍难以满足。借助于林权制度改革及相关的配套改革成果，应该进一步完善林业金融服务功能，加大林业金融创新力度，缓解林农和林业中小企业的融资困境。本文从金融需求角度出发，基于信贷供给理论分析导致林业信贷约束的原因和影响因素，提出通过抵押品扩展和替代机制，寻求林业金融服务创新的方向和模式。

Financial Innovation of Forestry Based on Collateral Mechanism of Extension and Substitution

Financial environment of forestry has been improved along with the reform of rural financial system and forestry's property right system in China.However,the existing financial system and financial institutions are still difficult to meet the requirement of the financial retail services of small and medium enterprises and farmers.By the reform of forest property right system and outcomes of correlatively adjunctive reform,we can further improve the financial system of forestry and forestry financial service...