论农村合作金融组织信贷担保制度缺陷与创新

Research on Security Systematic Defects and Innovation of Rural Cooperation in Finance

虽然我国《物权法》开启了担保制度的新篇章,但作为解决"三农"问题主力军的农村合作金融组织在信贷担保实践中仍然面临许多障碍,包括不动产担保资源枯竭、担保动产价值具有不确定性和保证泛滥导致保证人代付能力削弱等方面。必须针对农村特色不断完善担保制度,才能促进农村合作金融组织更好地为解决"三农"问题服务。

Although Property Law has renew security system, rural cooperative organization in finance, as key tactor resolving matters concerned to The agriculture, the country and the peasant, has some obstacle to remove, including lack of guarantee Real Estate, variable worth of movable property and descending ability of guarantor resulted by randomly guarantee. We must innovate the security system to suit for the country, so as to promote the rural cooperative organization in finance to resolve matters concerned to the agriculture, the country and the peasant.