新型信贷模式下完善农村担保贷款机制的思考

Consideration on Improving the Rural Secured Loan System under the New Rural Credit Type

农村经济发展的不平衡制约了现行传统农村信贷投放的规模和效益,而新的联保贷款和担保贷款模式既不需农户的实物抵押,也部分规避了信贷双方信息不对称的风险。要完善农村担保贷款制度,应采取措施积极扩大贷款担保主体;发挥政府对贷款的引导和保障功能;拓展涉农企业对农村信贷的担保职能;完善农村信贷激励机制;大力拓展对"三农"的金融保险业务;建立农村基层干部对农贷的奖励和责任机制。

Uneven economic development in rural areas constraints the size and efficiency of the existing traditional rural credit, and the new guaranteed loans and other secured loans modes don＇t not only required goods mortgage of farmers, but also avoided the asymmetric information risk of two credit sides in some extent. To improve the rural secured loan system, we should take actions to actively expand the loan guarantee subject, exert guide and safeguard function of government to loans, expand rural enterprises playing guarantee function on the rural credit, perfect rural credit excitation mechanism, and develop vigorously the financial insurance business to ＂three agricultures＂, and set up the obligation mechanisms of rural grass-roots cadres to rural credits.