村镇银行担保法律制度的创新

Village and town bank guarantee legal system innovation

为更好解决农村地区金融网点覆盖率低、金融供给不足、竞争不充分等问题,加强农村金融服务,促进和谐社会发展和新农村建设,为农村金融"补血"。自2007年开始批准建立村镇银行,经过两年已有很大的发展,到今年3月份村镇银行的数量已达到97家。但在其发展中仍有许多问题,尤其是担保制度已成为制约村镇银行发展的瓶颈。本文将通过法律的视角分析担保制度中的问题。

In order to solve financial outlets in rural areas with low coverage, less financial supply and inadequate competition and so on, to strengthen the rural financial services, to promote harmonious social development and new countryside construction and to increase rural financial services, rural banks were set up in 2007. Since then there has been a great development. And the number of banks has reached 97 in March 2009. However, there are still many issues in its development. Especially the guarantee in the legl systemhas become a bottleneck for the development of rural banks. In this paper, I will analyze the issue about guarantee system from the legal perspective.