农村信用担保机构发展研究——基于福建省的调查分析

The Research of Development of the Rural Credit Guarantee Organizations:Analysis of Research Result in Fujian Province

通过对福建省农村信用担保机构发展状况进行调查分析表明,农村信用担保机构的建立与快速发展在一定程度上缓解了农村经济主体的资金压力,但由于处于发展初期而作用有限,不同模式的农村信用担保机构运行结果也有所不同;担保机构发展受地方政府政策影响较大,各地区发展不平衡;与金融机构合作不畅,政府监管缺位。

This article is the statically results and analysis for 'the questionnaire of development state of the rural credit guarantee organizations from Fujian'.This article reached a preliminary conclusion as following.The establishment and rapid development of credit guarantee organization released the financial pressure of economical subject in rural area.However,it is still in the initial stage of development,which is due to the limited of effect.Different credit guarantee organization model has different running results.The development is influenced by local policy,which leads the uneven development in different regions.The cooperation with financial institution is not smooth.Government regulation still absence.The industry need to be governed and ruled.Suggestions for improvement of the rural credit guarantee organizations are finally proposed in the paper.