论我国农户信贷担保长效机制的构建

Discussion about constructing a long-term mechanism of China's rural household credit guarantee

完善农户信贷担保体系,建立信贷担保长效机制,是新形势下解决农户贷款担保难题,促进"三农"发展的重要手段。鉴于目前我国农户信贷担保尚存诸多问题,未能有效发挥农户与金融机构间的信贷桥梁作用,本文从分析我国农户信贷担保运行现状及问题入手,设计适合我国国情的农户信贷担保良性运行框架,进而提出构建农户信贷担保长效机制的对策思路。

Establishment of credit guarantee mechanism and performing the functions of credit guarantee for rural households are an important way to solve the problem loan to farmers and promote the development of ＂three rural＂.In view of many problems remaining,our country＇s rural household credit guarantee can＇t serve effectively as a bridge between farmers and financial institutions.The article start from analysis of operation and defects of the household credit guarantees.Designing a framework of healthy run for our country＇s rural household credit guarantee and proposing to construct a long-term mechanism of rural households credit guarantee.