“信用共同体”——农村互助担保融资新模式

A Study on "Credit Community"-A New Mutual Guarantee Financing Mode in Rural Financial Service

为了解决农村金融服务对象的规模小、实力弱和缺少抵押担保的问题,出现了信用共同体这种互助担保的新融资模式,它通过互助担保的方式,提高了农户、农村中小企业、种养专业户等农村经济体融资的信用等级,为金融机构减少了风险,在一定程度上缓解了农村金融服务发展的瓶颈,是一种有着广阔发展前景的融资新模式。

The credit community appeared as a new mutual guarantee financing model in order to solve the problems of the rural financial service object which are small-scale,weak,and short of mortgage guarantee.It by means of mutual guarantee model,improves the credit rating of the rural economies such as farmers,the rural SMES,and other professional planting and breeding and also reduces the risk of financial institutions.It can relieve the bottleneck of rural financial service development which has broad prospects for development.