摘要
健全的信贷担保机制是扩大金融交易规模、克服信贷约束的有效手段之一,但在实践中,由于受产业弱质性、实际财产分布及产权交易市场不健全条件的制约,我国农村信贷市场上几种主要贷款担保方式并不能适应现实的需要,加剧了农村信贷约束。发展规范的第三方担保组织,构建农村信用担保体系,可以作为目前各种形式信贷担保方式的有效替代,一定程度上缓解这种担保困境。
Rural families or SMEs in China can hardly profit from existing credit guarantee in rural finance market. It is necessary to introduce the “third-party guarantee” to substitute current ways of guarantee, which may partly relieve the dilemma in present credit system. Consequently, the government should adopt some measures to support the development of all kinds of rural credit guarantee institutions in China
出处
《农业经济问题》
CSSCI
北大核心
2006年第2期68-71,共4页
Issues in Agricultural Economy
基金
农业部软科学委员会课题<农村中小企业和种养大户贷款担保办法研究>(项目批准号:0527)的阶段性研究成果之一
