我国农村贷款担保机制研究

Research of Loan Guarantee Mechanism in Chinese Countryside

融资难是制约我国农村经济增长和农民收入提高的重要因素,而担保机制不完善是影响农民从正规金融机构获得贷款的关键因素。国外对农村担保问题的解决为我国提供了有益思路。要解决农民贷款难的问题,政府应健全农村融资担保立法,创造良好的政策环境,并建立和完善农村贷款担保体系。

The difficultly of our countryside finances limits the growth of rural economy and the farmers＇ income, and the imperfect guarantee mechanism is the key factor to set back farmers to obtain the loan from the regular financial setup. The overseas solution to the farmers＇ loan is a good help. To solve the problem of farmers＇ loan difficulty, the government must improve countryside financing guarantee legislation, create good policy environment, and establish countryside loan guarantee system.