四大担保模式化解农民贷款难题

Solving the Problems of Farmers’ Difficulties in Loaning through Four Guarantee Models

目前农村信贷约束依然是制约我国农村经济增长和农民收入提高的重要因素。本文在分析农民贷款难的现状和一系列原因后,提出抵押担保问题是目前影响农民从正规金融机构获得贷款的关键因素。认为通过建立现代农业担保基金、成立龙头企业担保公司、以合作经济组织作为金融联结中介以及建立政策性农业保险四种模式来构建农村担保体系可以有效化解农民贷款难问题。

This paper first analyses the problems of farmers’ difficulties in loaning, then proposes that collateral issue is the crucial factor which affect farmers getting loans from formal financial institutions. In order to solve this problem effectively, it is necessary to construct a rural guarantee system through founding modern agricultural guarantee fund, setting up leading enterprises guarantee companies, financing from outside on behalf of the cooperative organizations and establishing the policy-oriented agricultural insurance.